Third Party Liability Coverage for Automobiles

Why would I need more Third Party Liability?

For the simple fact that often courts in both the U.S. and Canada award damages that are much higher than $200,000, the amount covered by Basic Autoplan. Without additional Third Party Liability coverage, you are responsible for paying any amounts above $200,000. Most motorists feel more comfortable extending their Third Party Liability coverage to $2 million or more.

Third Party Liability

Third Party Liability coverage protects you from claims made by other motorists for injuries or material damage if you are found responsible for a crash (to a maximum of $200,000).

Additional Third Party Liability

Extended Third Party Liability offers extra peace of mind when driving. If you suffer a crash and someone is hurt or their property is damaged, and you are found at fault (that is, legally liable), Third Party Liability coverage will pay their claims or damages against you.

While your Basic Autoplan gives you $200,000 in Third Party Liability coverage, courts often award judgments for much more than that amount, and so many motorists choose to increase their coverage for better protection.

Commercial vehicle drivers (taxis, buses, limousines and so on) should consider $2 million Third Party Liability or more if they carry dangerous goods.

Unsure of whether you need Extended Third Party Liability coverage?

Contact a Westland Insurance office near you to talk with an auto insurance specialist.