Auto Insurance coverage in Alberta

Are you looking for car insurance? Read this first!

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It can be difficult to drive in Alberta with the mountainous terrain, unpredictable weather, and the millions of people who live in big cities. You can encounter demanding conditions on your daily commute, especially if you take Highway 63. There are many heavy trucks on this road, more than any other in the country. With all of these dangers, it's important to get auto insurance to protect yourself. Mediations like BrokerLink car insurance, for example, can help you today. You can even get an online quote within minutes. As a driver, you must also comply with all rules and regulations.

Driving laws

The states have laws that you must obey as a driver. Some of these laws are not specific to Alberta, such as wearing seat belts, exceeding the speed limit, stopping at stop signs, and not using your phone. When it comes to driving a car in Alberta, some laws are specific to the province. A full list of these regulations can be found in the Alberta Road Safety Act. In the following we discuss the law on motor insurance.

Motor Insurance Laws

It is illegal to do without driving Auto Insurance in Alberta. The reason for this law is to protect everyone on the road, including yourself. The penalty for driving without insurance is high. If it's your first offense, you could be fined from $ 2,500 to $ 10,000 plus a 15% surcharge. Your penalty could be anywhere from $ 5,000 to $ 20,000, including a 15% surcharge for a second violation. However, if you get caught driving without insurance more than twice, you can face up to 60 days in jail and have your license revoked.

According to the law, you must have at least one accident insurance and one liability insurance. Some people in Alberta strive for at least $ 1,000,000 worth of coverage before they start driving. Adding additional protection to your policy is optional. Talk to a broker to find out which coverage is right for you. The following are the most common insurance coverage options in Alberta:

  • Collision: This coverage depends on who is to blame to determine how it is applied. If you are at fault in an accident, only your damages are covered by this policy. If you are not at fault, your collision insurance will cover the cost of repairing your car and try to get the other party to pay the costs. If you were not responsible for the accident, but you do not have this coverage, you must contact the liability insurance company to cover the repair costs.
  • Specified Risks: This insurance coverage protects your vehicle from certain risks such as theft, fire, hail or floods.
  • Comprehensive: You can expect similar but broader coverage compared to the hazard plan given. You get more protection; a broker would explain what is and what is not covered by this policy.

make an insurance

When you talk to a broker Take out car insurance, you need to provide some documents. This includes the purchase or lease of the car, a driver's license, and proof of birth date for all drivers on the policy. Once you have your documents, the broker will help you choose the plan that best suits you.


Car insurance is important to protect you, your passengers and other drivers. With the right insurance coverage, you don't have to worry about damage to your car. So speak to a broker to protect yourself.

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