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Choosing the Right Car Insurance Choosing the Right Coverage Your car insurance policy must include some coverage to protect you financially against major risks. Here are three types of coverage that are typically required. Protection Against Liability Claims Liability Coverage (civil liability coverage in Quebec) protects you financially if you are legally liable for injuring someone or causing damage to another person?s property or automobile while operating a motor vehicle. Minimum required: Depends on province or territory Recommended: You may need more than the minimum set by your provice or territory. Get advice from an RBC Insurance Advisor for the right amount for your situation. Protection Against Injury or Death If you are injured in a motor vehicle accident, Accident Benefits coverage can help replace your lost income or pay for medical, rehabilitation and other expenses not covered by government health insurance. It can also provide ...