Frequently Asked Questions
Does a deductible always apply?
Each incident resulting in loss or damage to your automobile covered under either the Direct Compensation or Loss of or Damage to Your Automobile sections of your insurance policy, except (in most provinces) loss or damage caused by fire, lightning or theft of the entire vehicle, will be subject to the applicable deductible.
What happens if my vehicle is damaged in an accident but I don't have Physical Damage coverage?
For New Brunswick residents, the fault or responsibility of each driver is considered. The amount of compensation will depend on your role in the accident. E.g., if the other driver has been found to be at full or partial fault, you are able to claim for damages. But without Physical Damage coverage, you will not be compensated for the portion of damages that you have been deemed responsible for. In other provinces, the driver may be required to claim directly against the at fault party. Please consult your Claims Representative.
Is a rental car supplied to me if I have an accident?
In New Brunswick, if you are involved in an accident in which another driver is determined to be 100% at fault, your own insurance company, under the Direct Compensation Agreement (DCA), will supply you with a rental vehicle while yours is being repaired.
If fault for an accident is determined to be shared by both yourself and another driver and you have not purchased coverage under the Loss of Use Endorsement (see Additional Coverages section on your own policy), you will only receive partial coverage for the total cost of a rental vehicle in the proportion that the other driver is determined to be at fault.
If you are involved in an accident where either you are 100% at fault or fault is shared by both yourself and another driver and you have purchased coverage under the Loss of Use Endorsement (see Additional Coverages section on your own policy), your insurer will provide you with a rental vehicle while yours is being repaired.