Coverages
This coverage pays for damage to your own car after a collision.
What is Collision Coverage?
Fault in a rear-end collision is generally assigned to this driver.
Who is the driver in the rear?
The point at which an adjuster decides how much to set aside for the claim.
What is establishing reserves?
Moose collisions in Canada are most common in this province.
What is Alberta?
You drive into a flooded underpass — this coverage applies.
What is Collision?
This coverage pays for damage caused by hail, fire, theft, or hitting an animal.
What is Comprehensive Coverage?
If you hit someone because they ran a red light, liability is typically assigned to this party.
Who is the driver who ran the red light?
The official form used to request repairs or payment to a shop.
What is an authorization for repairs?
In 2020, this Canadian city experienced a winter storm that led to thousands of auto claims.
What is Toronto?
An angry ex scratches “CHEATER” into your hood — this coverage applies.
What is Comprehensive?
This type of coverage pays if you’re sued for causing injury or damage.
What is Third-Party Liability?
This legal concept means the insured must take reasonable steps to prevent further loss after an accident.
What is the duty to mitigate your loss?
The process of gathering police reports, photos, and witness statements.
What is fact-finding or investigation?
“Like a good neighbor” is this insurer’s slogan.
What is State Farm?
Your convertible’s interior is ruined when you forget to close the roof during a storm.
What is Comprehensive (with possible denial if negligence is proven)?
This coverage pays for a rental vehicle while yours is being repaired.
What is Loss of Use or Transportation Replacement?
In icy conditions, a driver slides through a stop sign into another vehicle.
What is 100% fault to the sliding driver?
The written record of conversations and actions in a claim file.
What are claim notes?
This animated gecko is a mascot for an American auto insurer.
Who is the GEICO gecko?
This coverage applies if your car is stolen and never recovered
What is Comprehensive?
The “Act” that governs auto insurance in most Canadian provinces.
What is the Insurance Act?
Two cars enter an uncontrolled intersection at the same time from perpendicular streets — the vehicle on this side has right-of-way.
What is the right-hand side?
This is needed before releasing a total loss claim payment.
What is proof of loss or signed settlement agreement?
One of the weirdest Canadian claims involved a car damaged by this unexpected falling object.
What is a frozen hockey puck?
This type of claim involves windshields only.
What is a glass claim?