In Canada, optional forms of car insurance can be added to your base policy (which is made up of liability and accident benefits) to increase your coverage. Collision insurance is one such product.
Collision auto insurance provides compensation if your car is damaged or totalled in a collision with another car or object. Collision coverage can’t be purchased on its own — you have to go through the provider of your basic car insurance policy (except in B.C., which has a hybrid private-public system).
Keep reading to learn more about collision insurance and when you might — or might not — need it.
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