What are my responsibilities in having auto insurance coverage?

There are some responsibilities involved in having insurance coverage:

  • Being completely  honest in your application (if you aren't, it can void your insurance coverage)
  • Knowing your obligations under your policy (it's best to discuss this with your Service Specialist before you ever need to make a claim, so you avoid any surprises)
  • Paying the premiums (if you don't, your coverage can be cancelled, with notice)
  • Notifying your insurer of any changes (like a new vehicle, additional drivers, change of location, modifications to the vehicle, criminal code convictions, accidents, medical conditions that could affect driving safety)
  • Preventing or reducing the chance of further damage, keeping in mind that safety comes first
  • Notifying us as soon as possible when making a claim

You need to have a copy of your policy to refer to. It's a good idea to ask your Service Specialist about your responsibilities too.

Have other questions about your auto insurance? Customers can review their policy and more, 24 hours a day, 7 days a week, via our online self-service tool.

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