you’re not required to have collision insurance. You can have just liability, but if your car is a piece of shit you’re not required to insure it for repair should an accident occur
In my city you are required to have both liability and collision even if the car is worth a dollar. That is true across all of Canada to my knowledge, with the exception of Quebec.
Absolutely false. You’re not required to have collision on your own vehicle anywhere as far as I know. Collision on the other vehicle falls under liability, unless of course you haven’t paid your vehicle off yet, but even then, that’s a requirement of the bank, not the insurer. I don’t know every provinces laws perfectly, but I do know cities don’t determine insurance law.
Are there places where this isn’t the case?
In my city you are required to have both liability and collision even if the car is worth a dollar. That is true across all of Canada to my knowledge, with the exception of Quebec.
Absolutely false. You’re not required to have collision on your own vehicle anywhere as far as I know. Collision on the other vehicle falls under liability, unless of course you haven’t paid your vehicle off yet, but even then, that’s a requirement of the bank, not the insurer. I don’t know every provinces laws perfectly, but I do know cities don’t determine insurance law.
I’d be curious what city, but obviously you don’t have to answer that.
Then you would be misinformed, because collision coverage is certainly not mandatory in Alberta, and I doubt it’s mandatory anywhere