What is the difference between one-way and two-way insurance?

In Quebec and Alberta, usually, one-way means you’re only insured with basic coverage, meaning you only have Civil Liability. This covers any bodily or material damage you cause to others. When you have two-way insurance, this usually means that your car is covered as well as the damage you cause to others.

In Ontario, New Brunswick and Nova Scotia, usually, one-way means you’re only insured with basic coverage, meaning you only have Liability and Direct Compensation Property Damage (DCPD) coverage. The Liability coverage would cover you if you were ever to get sued after an accident. The DCPD would cover damage to your vehicle if you’re in an accident with another vehicle insured by a licensed insurer, when you are not or partially not at-fault. When you have two-way insurance, this usually means that your car is covered as well as the damage you cause to others.

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