This only applies if the other driver has less insurance coverage than you. Receive additional benefits if you’re involved in an accident with a driver who doesn’t have enough coverage to pay a claim for injury or death.
This endorsement may cover you if you damage a vehicle you don’t own while it was in your care and control, such as a rental vehicle. Legal liability for damage to non-owned automobiles: You’ll be covered up to the maximum amount specified in your policy or until your vehicle is recovered, repaired or an offer of settlement is presented. If your vehicle is damaged in an accident, stolen or destroyed, this endorsement covers the costs of temporary transportation, such as renting a vehicle or taking a bus. This coverage is included in the provincial coverage plan, but not available separately in Quebec. If you have this coverage, the first accident on your policy won’t affect your insurance rates, provided you have been licensed and accident-free for six years.
For extra protection, add the following to your insurance policy:
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