Car insurance in Canada is mandatory for every vehicle operated on public roads and is regulated individually by each province and territory. Some provinces operate under a government-run public auto insurance model, while others rely on a regulated private insurance market. Canada generally operates under a system where insurance follows the vehicle rather than the driver. Depending on the jurisdiction, policies include mandatory elements like third-party liability, accident benefits, and uninsured motorist coverage, alongside optional physical damage protections such as collision and comprehensive coverage that motorists can customize to fit their specific driving profile and budget.
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