Kia Optima Insurance Cost

[Not mandatory in Newfoundland] Accident benefits coverage is another type of compulsory coverage throughout Canada. It protects the policyholder if they, a passenger, or a pedestrian require medical attention following an accident. No matter which party is at fault for the accident, the policyholder can still receive compensation to pay for medical expenses under the accident benefits portion of their policy.

[Not mandatory in Alberta] Like other insurance products, this type of coverage is mandatory. Uninsured automobile coverage will come into effect if you get into an accident with an uninsured or underinsured driver. It helps pay for damages caused by the accident even if the other driver leaves the scene in a hit-and-run and there's no one at fault for the collision.

[Not mandatory in Ontario] Also known as no-fault insurance, direct compensation coverage will help pay for damages if you get into an accident that was not your fault. This can include injuries and damages to your vehicle. However, you will only receive coverage when you are at fault if you have collision and comprehensive coverage.

Comprehensive coverage offers non-collision-related protection. This coverage type can safeguard your car against risks like theft, vandalism, water damage, fire, and more. Comprehensive coverage is a popular choice among Kia Optima drivers for the peace of mind it offers.

Another type of optional car insurance coverage for Kia Optima 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.

Collision coverage is a popular type of optional coverage. It provides compensation for damages if your vehicle collides with another driver, a stationary object, or if your car rolls over. While this coverage is optional, you may be required to carry it if your vehicle is leased or financed.