Your car insurance premium is not determined solely by age, but also by a number of factors, including:

Your driving history The type of car you drive What you use your vehicle for How many people will regularly drive the car Where you live The type of coverage you choose Industry-related factors such as markets, inflation, taxes and regulations.

You are free to decide where you want to have the damage appraised.

We may suggest that your vehicle be appraised at one of our recommended licensed repair facilities. When you report your claim, your claims adjuster will provide suggestions of licensed repair facilities. However, it is up to you to decide where to have the appraisal done.

If your auto insurance policy covers loss of use, it may cover the use of a rental.

A deductible is the amount you agree to pay towards the cost of any single claim. For car insurance, the deductible amount, if any, is shown on your Certificate of Automobile Insurance. Depending on the type of claim, you may need to pay a deductible even if it was determined that you were not at fault in the accident.

If you own or drive a vehicle in Canada, you must be insured. Different provinces and territories have different requirements, but the three mandatory elements of auto insurance are:

1. Liability - if you cause an accident and someone sues you
2. Accident benefits - if you or someone in your vehicle is hurt in an accident
3. Uninsured Motorist - if you’re in an accident with an uninsured or hit-and-run driver
   

In addition, depending on the age of your car and your personal preferences you can choose to protect yourself further by adding optional loss or damage coverage’s that would protect you when you’re not covered by direct compensation property damage:

• Specified perils - Covers the cost to repair or replace your vehicle if it’s damaged by specific things like fire, theft and lighting.
• Comprehensive - Covers the same as specified perils plus vandalism, falling or flying objects and other things.
• Collision - Covers the cost to repair or replace your vehicle if it’s involved in a crash (with a car or other object) ir it tips over.
• All Perils - Combines collision, comprehensive and more. This is the broadest optional loss or damage coverage you can get through us.

If you are involved in a car accident and your car is damaged, your insurance company is required by law to assign the percentage of fault to each of the drivers involved in the accident. If you are in an accident and yours is the only car involved, your insurance company will most likely consider it an “at fault” accident (100% at fault). It is possible to be in an accident and be considered “not at fault” (0% at fault) or even “partially at fault” (50% at fault).

Fault is determined using the fault determination rules set out by your province or territory and all insurance companies have to use the same rules. They are designed to help insurance companies deal with accident claims quickly and economically.

The easiest way is by either calling your broker or your insurance companies claim department!

1-866-464-2424 1-800-369-4053 1-866-692-8482

Tel: Fax: Email: 403-220-0228 403-220-0226 info@bbial.ca

You should contact the police if anyone is injured of the vehicles are not drivable. If there are no injuries and the vehicles are drivable there is no need for the police to attend. However, if the damage to your vehicle exceeds $2,000, you will need to report the collision to the nearest police station.

A claims appraiser is the person who will assess the damage to your vehicle & prepare an estimate.

A claims adjuster is the person who will handle all other aspects of your claim, such as confirming the loss details, speaking with all parties and insurance providers, and arranging rental vehicles.

Yes. Your insurance policy conditions require that you report these types of losses to the police.