Can I be denied automobile insurance coverage in Alberta?

There may be lots of misinformation that goes round in the case of buying automobile insurance coverage. Whilst you can’t be denied obligatory automobile insurance coverage protection in Alberta, you will be denied optionally available protection by insurers.

Necessary Automobile Insurance coverage in Alberta

The Authorities of Alberta requires all drivers to hold the next insurance coverage:

Third-party legal responsibility insurance coverage – this helps cowl prices if you happen to trigger bodily damage and/or property harm in case you are at fault or partially at fault in an accident; it additionally consists of authorized bills.
Accident advantages – embody medical, incapacity, demise and funeral expense advantages.
Direct compensation for property harm insurance coverage – covers harm to your personal automobile in case you are not at fault or partially at fault in an accident.

Non-compulsory Automobile Insurance coverage in Alberta

Non-compulsory automobile insurance coverage is something above the obligatory minimal protection required by the Authorities of Alberta, akin to:

Collision – assists with the prices of repairs to your property in case you are at fault or partially at fault in an accident.
Complete – helps cowl your property whether it is broken resulting from a lined peril akin to a hit-and-run, hail, or theft.
Lack of Use – ensures that transportation prices are lined akin to a rental automobile, transit or taxi in case your automobile is being repaired after a lined declare.

Why would I be denied optionally available auto insurance coverage protection?

For some particular coverages, there are eligibility necessities. For instance, you’ll need to don’t have any claims inside a selected time frame to qualify for a claims-free low cost or disappearing deductible protection. Or your automobile could have to be manufactured inside a selected time-frame to qualify for a depreciation waiver (or assured substitute price loss settlement).

Nonetheless, for the extra normal optionally available coverages, there are only some eventualities the place chances are you’ll be denied:

When you’ve got been cancelled by a earlier insurer for non-payment, misrepresentation or different critical abuse.
When you’ve got a prison conviction associated to driving akin to impaired driving or driving whereas suspended or with out a license.
When you’ve got a number of critical driving infractions (tickets) akin to failing to stay on the scene of an accident, dashing over 50km/h over the restrict, careless driving, and distracted driving.
When you’ve got lots of claims.

The newer these incidents, the extra probably you might be to be denied protection. Typically, main violations and claims keep in your document for 5 to 10 years, relying on the insurer.

Different Circumstances of Being Denied Auto Insurance coverage in Alberta

There are a number of different eventualities the place chances are you’ll be denied automobile insurance coverage in Alberta:

You would not have a everlasting handle in Alberta.
You would not have a driver’s license.
You would not have a invoice of sale, lease settlement or automobile registration for the automobile you wish to insure.
You don’t present a passing automobile inspection report or out-of-province inspection report if it’s required for the automobile you wish to insure.

In case you fail to offer this data or different requested data, you will be denied each obligatory and optionally available auto insurance coverage in Alberta.

Communicate to one in all our brokers to get an auto insurance coverage quote in Alberta. They might help you thru the method and reply any questions you might have.