It is not always easy to adapt to a new country. You have to find a place to live, get a new job, and discover the laws and regulations in your adopted country. When it comes to law, insurance is an important way to make sure you are covered if you get stuck.
Car insurance - mandatory if you drive a car
Auto insurance is required by law in all parts of Canada. Covers the owner and driver of the vehicle, as well as passengers, pedestrians, and property involved in a car accident.
Vehicle insurance is regulated by the provinces. Caroline Vimius, a public relations consultant for the Insurance Office of Canada (IBC) in Quebec, explains that any vehicle traveling on public roads must be insured. IBC is the association that represents the majority of Canadian property and casualty insurance companies.
Here in Quebec, residents injured in an accident are covered by the public insurance plan administered by the Société d'assurance Automobile du Québec (SAAQ), whether the accident occurred in Quebec or elsewhere. "The deposit is included when people pay for their driver's license," says Ms Vimius.
Vehicle damage and liability are covered by private insurance companies. The mandatory minimum liability insurance is $ 50,000, but drivers can choose to increase this amount. "We recommend $ 1 million to $ 2 million for liability insurance," says Caroline Vimius. That way, if you hurt another person or drive in the United States or any other part of Canada, you will be better protected. "
Vehicle insurance is regulated by the provinces. Caroline Vimius, a public relations consultant for the Insurance Office of Canada (IBC) in Quebec, explains that any vehicle traveling on public roads must be insured. IBC is the association that represents the majority of Canadian property and casualty insurance companies.
Here in Quebec, residents injured in an accident are covered by the public insurance plan administered by the Société d'assurance Automobile du Québec (SAAQ), whether the accident occurred in Quebec or elsewhere. "The deposit is included when people pay for their driver's license," says Ms Vimius.
Vehicle damage and liability are covered by private insurance companies. The mandatory minimum liability insurance is $ 50,000, but drivers can choose to increase this amount. "We recommend $ 1 million to $ 2 million for liability insurance," says Caroline Vimius. That way, if you hurt another person or drive in the United States or any other part of Canada, you will be better protected. "
Different province, different rules
The rules governing auto insurance vary from county to county. Ontario, for example, does not have general auto insurance; Both bodily injury and property damage are covered by private insurance companies. In British Columbia, on the other hand, both types of damage are covered by a general insurance company.
Home insurance: always a good idea
Although the law does not require it for renters, some landlords require that renters have home insurance. It is one of our highly recommended forms of coverage. For homeowners, the creditor generally requires that anyone with a mortgage have homeowners insurance.
"In addition to protecting goods and property, home insurance covers civil liability in the event that you are liable for any unintentional damage or injury to another person. For example, an accidental fire in your kitchen causing serious damage to the apartment from your neighbor or even the entire building, or injury to a guest. At your house, "explains Caroline Vimius. "If the snow on the front steps is not removed properly and someone slips and breaks their arm, they can take them to court. In this case, their insurance company will handle their defense and pay legal fees."
What can home insurance cover? Fire, theft, and vandalism to begin with, but also damage from high winds, hail, lightning, explosions, or smoke, as well as leaking or running water or sewers.
You can add additional passengers to your insurance contract if you need additional coverage. "For someone who lives in a basement or downstairs, a rider covering backup sewer systems could be a very good idea," says Caroline Vimius. "There are also contestants for water damage that occurs above the ground, either through the roof or through the windows."
"In addition to protecting goods and property, home insurance covers civil liability in the event that you are liable for any unintentional damage or injury to another person. For example, an accidental fire in your kitchen causing serious damage to the apartment from your neighbor or even the entire building, or injury to a guest. At your house, "explains Caroline Vimius. "If the snow on the front steps is not removed properly and someone slips and breaks their arm, they can take them to court. In this case, their insurance company will handle their defense and pay legal fees."
What can home insurance cover? Fire, theft, and vandalism to begin with, but also damage from high winds, hail, lightning, explosions, or smoke, as well as leaking or running water or sewers.
You can add additional passengers to your insurance contract if you need additional coverage. "For someone who lives in a basement or downstairs, a rider covering backup sewer systems could be a very good idea," says Caroline Vimius. "There are also contestants for water damage that occurs above the ground, either through the roof or through the windows."
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