Automobile Insurance Questions

I was recently involved in a "fender bender". Fortunately, no one was hurt, but now my car door is dented. Will my insurance pay for all the damage?...  More

Someone backed into the door of my three-year-old car and dented it. I had the damage appraised, and then took the car to a body shop for repair, as my insurer advised. I was furious to find out afterward that the body shop had replaced my door with a used one. As if that's not bad enough, the paint on the replacement door isn't an exact match with the rest of the car...  More

I am about to buy my first car, but I'm not sure what kind of insurance is available to pay for any damage that could happen to it. Will my insurance pay if I run into another car? What if my car is stolen?...  More

I am trying to save money on my car insurance. My broker says that certain models of cars cost less to insure than others, even if they are more expensive to buy. If that is the case, which cars should I consider buying, and which ones should I avoid?...  More

My husband and I are thinking of moving from the city to the country. It would mean a longer commute to our jobs, but we want to weigh all the pros and cons - including the cost of insurance - before making a final decision. Would we pay about the same for our insurance as we do in the city?...  More

I am getting ready to head off on the trip of my dreams -- a six-week leisurely drive through the U.S. But I'm concerned about my car insurance. What if I have an accident down there? Would I be covered?...  More

I was driving through an intersection when a car coming from the opposite direction made a left turn - right into me! I wasn't hurt, but my five-year-old car is a write-off. My insurance company is offering to pay me what it calls "actual cash value" for the car. However, the amount is nowhere near what it would cost me to buy something similar at today's prices. Is this fair? What can I do if I disagree with the offer?...  More

I just bought my first car, and I want to know what kind of insurance I should have. Can you give me some tips?...  More

I lent my Minivan to a friend so he could transport a desk that he had bought. Unfortunately, he got into an accident on his way home from the store - he hit a curb and caused $4, 000 of damage to the front end of my car. Now, to make matters worse, my insurance company says the accident goes on MY driving record, and my insurance rates will go up as a result. That isn't fair!...  More

When my neighbour's son was driving his father's car, he lost control and went into a ditch, hitting a telephone pole. Luckily, he was not seriously injured, but the car was a write-off. My neighbour tells me that he got full value for his car from his insurance company. He wasn't charged any depreciation, and yet the car was two years old! When I "totalled" my car last year, I only got what the insurance company said...  More

Since I usually take the bus to work, I told my insurance company that I only use my car for pleasure driving. However, the other day, I had a dentist appointment, so I took my car to save time getting to work afterwards. Well, wouldn't you know it, as I was driving to work, a car veered into my lane and hit the side of my car. The accident wasn't my fault, but now I'm afraid my insurance company won't cover the damage...  More

Who provides automobile insurance? I have heard that in some provinces, it is the private sector, whereas in others, it's supplied by the government. What's the story?...  More

I am going to visit my sister in Vancouver, and want to rent a car while I'm there. I've heard that it's expensive to get insurance through the car-rental agencies. What do you suggest?...  More

I was rushing from work to take my daughter to her soccer game. I saw the traffic light turn yellow, but I thought I could make it through before it turned red. Wrong! As luck would have it, a policeman spotted me, and gave me a ticket for running a red light. It cost me a $150 fine and three demerit points on my driving record. As if that wasn't bad enough, now my insurance broker is telling me it will affect the cost of my insurance...  More

I volunteer part-time delivering meals to elderly people in their homes. I am reimbursed for my expenses, like gas and wear and tear on my car, but I am not paid. I am wondering, what would happen if I was involved in a car accident while I was making deliveries? Would my auto policy cover me, or do I need special insurance?...  More

I was recently bringing my brand new large-screen television home in my car. I had to stop to do an errand along the way, and when I returned to unlock my car, I realised that someone had already done it for me -- my car had been broken into and my television stolen. Is it covered under either my homeowners policy or my automobile policy?...  More

The Alberta Risk Sharing Pool is a collective pool of risk shared amongst all auto insurance companies that offer auto insurance in Alberta....  More