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What is a SEF 44 in Alberta?

The SEF 44 Endorsement provides you, as well as your dependent family members, with excess insurance to cover any damages sustained in a motor vehicle accident in excess of $200,000, up to your own policy limits. In effect, it provides you with coverage up to the maximum of your own policy limits, whatever that may be.

Who can drive my car under my insurance in Alberta?

3. Who can drive my car under my insurance in Alberta? Anyone with a valid drivers licence can drive your vehicle as long as they have your permission and theyre not specifically listed as an excluded driver on your insurance policy.

What are 3 types of coverage in Alberta?

Overview. In Alberta, basic automobile insurance (accident benefits and third party liability) is required by law. Additional insurance coverage (such as collision and comprehensive) is not required by law.

Does Alberta have no fault auto insurance?

Effective January 1, 2022, Alberta implemented Direct Compensation for Property Damage (DCPD). DCPD means that drivers claim from their own insurer instead of claiming for vehicle damage from the at-fault drivers insurance. DCPD will only cover the damage for which a driver is not at-fault.

Does Alberta have uninsured motorist coverage?

If property damage resulted from an accident, such as your car being damaged, and the accident was caused by an uninsured driver, then the cost of repairs would likely be covered by the uninsured motorist portion of your policy. The one exception to this is Alberta, where uninsured motorist coverage is not mandatory.

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