Everyone needs auto insurance, so why not choose Johnson Agencies (1973) Ltd. We’ve mastered the ability to cover YOU, the way YOU want to be covered. We realize that the old truck you take to the dump doesn’t need the same coverage as your brand new luxury vehicle – so why choose a product that uses a “one size fits all” mentality.
- Personal vehicles
- Boat/Sea Doo
- Antique auto
Third Party Liability
Third Party Liability provides coverage if you are legally responsible for a collision that causes injury or death to another person or damages their property.
Coverage amounts: $1 million, or $2 million
Though $200,000 is the minimum amount required under Alberta laws, at Johnson Agencies we recommend $2 million in third-party liability because of the increasing cost of claims. The premium difference between $1 Million and $2 Million is minimal.
These are benefits that you, certain family members and passengers are entitled to receive if injured or killed in a collision. They include income replacement, payment for medical treatment and rehabilitation costs, payment for funeral expenses and payment for grief counselling for family members. Limits vary depending on the insurer, situation and the benefits you and your family would qualify for.
Don't let an unexpected crash catch you off guard. Collision coverage can help protect you from paying costly fees to repair or replace your car.
Deductible: $500 or $1,000
Collision insurance can help protect you if:
- You hit another car
- You hit a stationary object
- Someone or something hits your parked car
Comprehensive coverage reimburses you for damage to your vehicle caused by any other hazards with the exception of a collision or rollover. Examples include fire, theft, vandalism or collision with an animal.
Deductible: $250, $500, or $1000
Comprehensive cover – limited glass (SEF 13D)
Excludes coverage for windshield glass andor sunroof allowing for a reduction in premium.
Family protection (SEF 44)
Protects you and family members in your vehicle if you are involved in a collision with an uninsured or underinsured driver. Even though you may have the right to collect money from an at-fault driver to reimburse you for your claim, if that driver doesn’t carry enough insurance or has no insurance at all, your claim my not be fully paid. SEF 44 pays the difference between your claim amount and the third-party liability limit of the at-fault driver’s policy, up to your own third-party liability limit. Though SEF 44 is optional, Johnson Agencies considers it so important that it is offered on all vehicles when a quote is given, a new policy is written or vehicles are added to a policy.
Loss of use (SEF 20)
Provides for a rental vehicle or the use of taxicabs and public transportation to a specified dollar amount in the event your vehicle is damaged and being repaired due to a loss covered by the insurance policy.
Legal liability for damage to non-owned automobile (SEF 27)
Extends the physical damage coverage and deductible that you have on your personal vehicle to a rental vehicle. This endorsement provides physical damage coverage only, whether the cause was a collision, rollover or other hazards like fire, theft, vandalism, or collision with an animal.Typically, coverage applies anywhere in North America, so if you are renting from a rental car company on vacation, you can decline their insurance if the SEF 27 endorsement in on your policy.
Limited waiver of depreciation (SEF 43R)
Limits depreciation and provides full replacement cost on your brand new vehicle, aside from tire and battery costs, if the vehicle becomes a total loss because of an accident within 30 months of the vehicle purchase.
These are only a few of the endorsements that are available for auto insurance policyholders. If you have a special need or request, ask your insurance agent how your policy may be customized to meet your needs.
Auto Insurance Options
Drive Record Protector
Drivers are rewarded with savings for their good driving record and experience. For many companies, drivers are classified by awarding “stars” based on experience. For example, after six years of claims-free driving experience, you likely have a six-star driving record.
If you are a top-rated driver, you may be eligible to protect your star-rated driving record in the event of an at-fault loss for an additional premium. With the Driving Record Protector, even if you are deemed to be at-fault in a future accident, your driving record and claims-free rating will remain unchanged. As far as your insurance is concerned, it's like the accident never happened — your premiums will not increase!*
* Certain restrictions apply.
A great way to save even more on your insurance premiums is to insure both your home and auto together. Whether you own your home/condo or rent, you can take advantage of this opportunity and save.
If you own more than one vehicle you have the opportunity to save even more on your insurance premiums. You can enjoy greater convenience knowing your vehicles are insured together.
If you were continuously insured with your previous insurer, you could be eligible to save on your auto insurance premiums.
What does my insurance company need to know?
Even if you’re just using your vehicle to commute to and from work or meetings, you’ll need to disclose that to your insurance company when you buy your policy. When you apply for car insurance, you will have to disclose how many kilometres you drive per year, the distance of your commute work, whether your vehicle is used for business or personal purposes, and how much you use your vehicle for business (if at all). Be sure to let your broker know if anything about your situation changes, including the length of your daily commute.
What types of business use aren’t included in personal auto insurance coverage?
If you use your vehicle for any of the following types of services, you may need a commercial car insurance policy:
- Carrying passengers for hire (including ridesharing programs like Uber and Lyft)
- Making deliveries that are part of a business (e.g., Skip the Dishes, delivering goods like pizza, flowers, or alcohol; delivering rental equipment or merchandise; or delivering any materials as part of services provided by a business)
- Emergency transportation (e.g., using your personal vehicle as a tow truck)
- Renting out your vehicle to others
Your insurance company may also exclude other types of business use from personal car insurance policies. Reach out to your broker or carefully read through your own policy documents to learn more.
Insurance is designed to protect you when you need it most, in exchange for your premium and the promise that you’ll stick to the agreements in your policy. When you’re thinking about starting your own business or taking a new job that requires you to drive, the best plan is to contact your car insurance broker before you get behind the wheel. Your insurance broker can make sure you’ll have the coverage you need when you need it most.