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Covered events

Question
Collision
Not At Fault
Comprehensive
All Perils
Uninsured Automobile
Car accident (at fault)
yes
no
no
yes
no
Car accident in Ontario (50% at fault)
yes
partial (50%)
no
yes
no
Car accident in Ontario (0% at fault)
yes
yes
no
yes
no
Car accident (not at fault) outside Ontario.
yes
no
no
yes
no
Car accident (not at fault) at fault driver has no insurance.
yes
no
no
yes
yes
Hit and Run (Identified driver)
yes
yes
no
yes
no
Hit and Run (Unknown driver)
yes
no
no
yes
no
Hitting the ground
yes
no
no
yes
no
Hitting an object on the ground
yes
no
no
yes
no
Turnover
yes
no
no
yes
no
Theft or attempted theft
no
no
yes
yes
no
Theft by a cohabitant
no
no
not covered
yes
no
Theft by a employee
no
no
not covered
yes
no
Fire
no
no
yes
yes
no
Lightning, windstorm, hail, or rising water; earthquake
no
no
yes
yes
no
Explosion
no
no
yes
yes
no
Riot or civil disturbance
no
no
yes
yes
no
Falling or forced landing of aircraft or parts of aircraft
no
no
yes
yes
no
Damage while in transport
no
no
yes
yes
no
Falling or flying objects
no
no
yes
yes
no
Missiles (ex. kicked up rocks)
no
no
yes
yes
no
Vandalism
no
no
yes
yes
no
Anything else (except what's not covered)
no
no
yes
yes
no