In Canada, owning a driver's license and driving a car is considered a privilege and not a right, as many people believe. For this reason, it is not only important to have and pay for a car insurance policy, but it is also necessary, since the law requires having insurance to be behind the wheel. In other words, it is illegal to drive a car without insurance. In addition, it is necessary to have insurance, because at the time of being the protagonist of a car accident, if one is guilty, it is protected from being prosecuted by the other person for a million dollars or more. Cases have been seen in which a person who is a victim of an accident takes the driver responsible for the damages suffered to court, and if he is not insured, he can lose even real property. For that reason it is always advisable to have an insurance policy, because regardless if the police surprise you driving without insurance and you are fined up to five thousand dollars, in the best of cases, the consequences are greater if you are guilty of a collision. Insurance policies are divided into 'Full Cover' and 'Third Party'. Depending on the interest if the insured, or 'policy holder' wants full coverage for himself, the companions and the people with whom he was involved in an accident, and the benefits range from loss of salary, medical rehabilitation, nursing care, maintenance and cleaning of the house, babysitting or 'babysitting' that are considered basic claims. In our next installment we will explain each of these benefits, so that you are prepared when suffering or starring in a car accident, and for any additional information you can contact me at the direct telephone number 416-435-6123, 647 826 0610, or at 416 236 3060 Ext 496. * PACE LAW FIRM Personal Injury Manager Direct 647 826 0610 Fax 647 826 0614 rmartinez@pacelawfirm.com