🪟 A reader asks: 'We have a cracked windshield that will cost nearly $800 to replace. I want to do it through insurance if we can, but my wife says that making a claim will make our rates go up. Is that true?'
There are three types of coverage that form part of an accident policy: liability, collision and comprehensive, according to Thomas. “Liability is mandatory, and the other two are optional – you don’t legally have to have them to drive your car,” she says.Liability insurance covers any damage you cause to other people or their property, including their vehicle.
While insurance rules vary by province, each province requires you to buy a minimum amount of liability coverage. It’s typically $200,000, but it varies. In Nova Scotia, for instance, the minimum is $500,000. In Quebec it’s $50,000. You can then pay more for extra liability coverage. “It’s not uncommon to have two million,” Thomas says.
In British Columbia, Saskatchewan and Manitoba, you have to buy liability insurance from each province’s government-run insurance company. For collision and comprehensive, you can either buy from the government-run insurance company or a private insurance company.Unlike at-fault collision claims, comprehensive claims don’t affect your insurance premiums.
“We see policies adding a special endorsement to remove windshield coverage,” says Rob de Pruis, Western Canada director of consumer and industry relations with the Insurance Bureau of Canada.to repair, it’s a good idea to check with your insurance company to see what coverage you have, de Pruis says.
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