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Third Party Liability Coverage for Automobiles

Why would I need more Third Party Liability?

The simple answer is that the courts in both Canada and the US often award damages well above the $200,000 minimum limit requirement in Alberta.

If you don’t increase your Third Party Liability limit, you are on the hook for any amount over $200,000.

Most drivers gain peace of mind when they increase their limit to $2,000,000 or more.

Third Party Liability

This coverage provides protection from other motorists if they make an injury or damage claim against you and you are deemed responsible for the accident (up to a maximum limit of $200,000).

Additional Third Party Liability

Increasing your Third Party Liability limit offers you added protection in the case of a serious or catastrophic crash.  If you are in an accident, someone gets injured and you are at fault (in other words, you are found legally liable), Third Party Liability will pay for the damages and claims made against you. 

While your minimum coverage is $200,000, the courts often award much higher judgment amounts.  That’s why most drivers opt to increase their limit.

Commercial drivers of vehicles like taxis or limousines should consider having at least a $2,000,000 limit (or more) especially if they are carrying dangerous goods.

Unsure if you really need increased Third Party Liability limits?


Contact our Westland Insurance office today at (403) 259-2747 or call toll free at 1-888-259-2747.