Kia car insurance

Accident benefits coverage is required across Canada—except in Newfoundland—and helps cover medical costs if you, your passengers, or even a pedestrian get hurt in a crash. With accident benefits, it doesn’t matter who’s at fault—you can still receive compensation to help pay for medical expenses through this part of your policy.

Uninsured motorist coverage is built into Kia car insurance across many provinces in Canada to protect you if you're in an accident caused by a driver who doesn’t have enough insurance—or none at all. It makes sure you’re fairly compensated for any damages. Plus, it’s got you covered if you’re the victim of a hit-and-run.

In some no-fault provinces, DCPD  is required. If your Kia gets damaged in an accident that wasn’t your fault, this coverage lets you deal directly with your own insurance company instead of going through the other driver’s insurer—making the claims process quicker and easier.

Optional comprehensive coverage helps protect your Kia from things like theft, vandalism, fire, water damage, and falling objects. Many Kia drivers add this coverage for extra peace of mind. Just keep in mind that before your insurance kicks in, you’ll need to pay a deductible.

Collision coverage is similar to comprehensive insurance because both help cover damage to your vehicle. The main difference is that comprehensive coverage covers non-collision events like theft or fire, while collision coverage steps in if your Kia is damaged in an accident where you’re at fault. Just like with comprehensive coverage, you’ll need to pay a deductible before your insurance covers the rest.

One final type of optional car insurance coverage popular among Kia drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.