Extended Third Party Liability | Excess Underinsured Motorist Protection | Loss of Use | Vehicle Travel Protection
If you are found at fault (that is, legally liable) for a crash where someone else is hurt or their property is damaged, your Third Party Liability [click for definition] coverage pays their claims or damages against you.
Your Basic Autoplan gives you $200,000 in Third Party Liability coverage.
However, courts often award judgments for much more than $200,000. Many motorists increase their Third Party Liability coverage, so they are better protected in case of serious injury to others.
You can choose to increase your coverage to $300,000, to $5 million, or anywhere in between.
Most Commercial vehicles must be insured for at least $1 million Third Party Liability, and $2 million if they carry dangerous goods. This includes heavy commercial vehicles (over 5,000 GWV), buses, taxis, limousines and commercial trailers.
