Some
places may be lauded as relatively safe areas to drive in, but that
doesn't mean you can drive freely without insurance coverage. On
roads and highways, ice, snow, and rain are common in many parts of
the United States so there are many instances where you might get
involved in an accident at some point. Thus, it's important for all
drivers to be insured before they can get behind the wheel.
The
specifics of this vary from province to province, but generally, your
policy must cover for losses (i.e. property damage, personal injury,
death) and your own medical expenses. For truckers and drivers of
different types of vehicels, insurance policies should also have
these basic inclusions. Other
types of coverage like theft and vandalism protection for your
vehicle are usually considered optional but they would be very useful
for operators and owners.
As such, it is
important for you to review both federal and provincial laws
regarding vehicle insurance before you obtain your own policy. You
should also know that various companies have different conditions for
particular kinds of policies. For instance, some may offer
“comprehensive” and “collision” coverage for trucks, while
others may go with the more ambiguous “all perils” coverage, but
these may not include specific instances under the fine print.
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