CIBC Auto Insurance

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $200,000 in third party liability coverage, but most people choose $1 million or $2 million.

Direct Compensation — Property Damage (DCPD)

Damage to your vehicle is protected in case of an accident that takes place in Ontario, and which is not your fault or is only partially your fault¹. This means you call your own insurer no matter who’s at fault. Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

¹ Certain conditions apply

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• that results in property damage, or;
• where someone is injured or killed

By law you must have at least $200,000 in third-party liability coverage, but most people choose $1 million or $2 million.

Direct Compensation — Property Damage (DCPD)

Damage to your vehicle is protected in case of an accident that takes place in Newfoundland and Labrador, and which is not your fault or is only partially your fault¹. This means you call your own insurer no matter who's at fault. Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

¹ Certain conditions apply

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $200,000 in third party liability coverage, but most people choose $1 million or $2 million.

Uninsured automobile coverage

Protects you in the event the accident is caused by an uninsured driver. For example:

• If you are injured or killed by an uninsured motorist or by an unidentified driver
• Damage to and loss of use of the insured automobile and its contents, when the result of an accident is caused by an identified, uninsured motorist

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $500,000 in third party liability coverage, but most people choose $1 million or $2 million.

Direct Compensation — Property Damage (DCPD)

Damage to your vehicle is protected in case of an accident that takes place in Ontario, and which is not your fault or is only partially your fault¹. This means you call your own insurer no matter who's at fault. Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium. 

¹ Certain conditions apply

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $200,000 in third party liability coverage, but most people choose $1 million or $2 million.

Uninsured automobile coverage

Protects you in the event the accident is caused by an uninsured driver. For example:

• If you are injured or killed by an uninsured motorist or by an unidentified driver
• Damage to and loss of use of the insured automobile and its contents, when the result of an accident is caused by an identified, uninsured motorist

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $200,000 in third party liability coverage, but most people choose $1 million or $2 million.

Direct Compensation — Property Damage (DCPD)

Damage to your vehicle is protected in case of an accident that takes place in Ontario, and which is not your fault or is only partially your fault¹. This means you call your own insurer no matter who's at fault. Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

¹ Certain conditions apply

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $200,000 in third party liability coverage, but most people choose $1 million or $2 million.

Direct Compensation — Property Damage (DCPD)

Damage to your vehicle is protected in case of an accident that takes place in Ontario, and which isn’t your fault or is only partially your fault¹. This means you call your own insurer no matter who's at fault. Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

¹ Certain conditions apply

Civil liability

You’re covered up to the amount specified in your insurance policy:

• If you accidentally damage someone’s property
• If you accidentally injure someone and coverage is not provided by the SAAQ

By law, you must have at least $50,000 in civil liability coverage for your auto insurance, but most people choose $1 million or $2 million.

Third-party liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

• That results in property damage, or
• Where someone is injured or killed

By law you must have at least $200,000 in third party liability coverage, but most people choose $1 million or $2 million.

Uninsured automobile coverage

Protects you in the event the accident is caused by an uninsured driver. For example:

• If you are injured or killed by an uninsured motorist or by an unidentified driver
• Damage to and loss of use of the insured automobile and its contents, when the result of an accident is caused by an identified, uninsured motorist