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Do I Need Auto Insurance?

Auto insurance or car insurance, call it what you want but, yes, in Newfoundland & Labrador, before you get behind the wheel of any motor vehicle, you need insurance. It’s the law.

No matter how confident you feel behind the wheel, our government has laws in place that require insurance to cover damage you may cause to other people’s vehicles and property, as well as to help assist you with medical care should you be injured in an accident.

When you get behind the wheel of any vehicle in Newfoundland and Labrador, you are under a legal obligation to be properly insured. The law requires you to be insured so that there will be adequate coverage if you have an accident that injures someone or damages their property. The insurance is also intended to provide for medical coverage should you be injured.

Auto Insurance: The Basics

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

  • Collision insurance – This covers your vehicle when it’s in an accident with another vehicle. It also covers you for certain things that are not covered under standard comprehensive insurance, like hitting a tree or other stationary object.
  • Liability insurance – This covers you if you are responsible for an accident that injures people or damages their property. In Newfoundland and Labrador, it is a legal requirement for every driver to have liability insurance.

Take your auto policy further with beneficial add-ons

Some policies are more comprehensive than others and provide more extensive coverage. This coverage might include protection for your vehicle from theft, fire damage, or damage in an accident that doesn’t involve other vehicles. There are also policies available that provide coverage in the event of an accident with an uninsured driver.

With so many potential events to cover, it’s vital that you have the right kind of vehicle insurance policy and that’s it’s sufficient to cover both you and your passengers in the event of an accident.

Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.

How can auto insurance protect you?

Use the yellow hot spots and explore how auto insurance can help protect against common risks.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.


Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.


Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Get Your Free Insurance Quote Today

If you’re looking for car insurance, or truck insurance, one of our professional advisors will be happy to explain the types of coverage we can offer and give you a free quote. We don’t engage in high-pressure sales tactics and you’re under no obligation whatsoever.

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Auto Insurance FAQ

If a friend drives my car, are they covered by my policy?

Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, they should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” driver of that car – you. If someone else starts driving your car more than you do, contact us to have them added to your policy to avoid coverage complications.

If I borrow a friend’s car and have an accident, who pays?

When you borrow someone else’s car and are involved in an accident, their insurance will kick in first. However, beware of driving someone’s car if they have little or no insurance, as your policy could be triggered once their limits are exhausted.

My golf clubs were stolen from my vehicle. Am I covered?

Your homeowner’s insurance policy provides coverage for personal property, regardless of where you are. However, if your golf clubs are old, consider buying a replacement-cost endorsement for your personal property. This way you will get what it costs to replace the golf clubs, less the applicable deductible.

My children have left home for university. Do I still have to include them on my policy?

The simple answer is: it depends.

For some, the answer is yes, because when your university students come home to visit, they will have access to the family car. You may be eligible for reduced premiums if the university is more than a certain distance from your home. Check with us on specifics. Learn more in our blog called, Your Teen is Off to College where we discuss this and more.

I caused an accident and am being sued by the other driver. Am I covered?

Yes. The liability portion of your insurance policy guarantees your insurance company will defend a claim or lawsuit on your behalf, up to your policy’s limits of liability.

I'm renting a car. Does my existing auto insurance cover this?

If you have a personal auto insurance policy, it includes liability coverage and any additional coverage you’ve opted for, such as comprehensive or collision. That coverage may extend to your rental car, as long as you drive it for personal use. The coverage limits and deductibles on your personal policy also apply to your use of a rental car.

When in doubt contact your Account Manager to discuss your coverage before hitting the road!

How can I be sure I have the right coverage?

Contact us! Having the right vehicle coverage, policy limits, and deductibles in place is an important part of financial planning.

Call us today to learn more about how we can help you get the comprehensive automobile coverage you need to minimize any unwanted surprises!

Wedgwood Insurance offers comprehensive auto insurance in St. John’s, Corner Brook and throughout Newfoundland.