Third-party liability insurance is bundled directly into mandatory basic auto insurance packages across Canada rather than sold as a separate standalone product. Because auto insurance premiums vary widely by province, driving record, and vehicle type, average comprehensive auto policies range from 75 to 200 dollars per month. Raising your liability coverage limits from the provincial minimum (typically 200,000 dollars) up to 1 or 2 million dollars is surprisingly affordable, often adding only 20 to 40 dollars to your annual total premium.
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