Alberta Written Drivers Learners Test Practice

What type of insurance is mandatory for drivers in Alberta?

1. Comprehensive insurance

2. Third-party liability insurance

3. Collision insurance

4. Personal injury insurance

The correct answer is: Third-party liability insurance

In Alberta, third-party liability insurance is mandatory for all drivers. This type of insurance protects vehicle owners from claims made by other parties in the event of an accident where they are at fault. It covers damages to other people's property and any injuries sustained by others in an accident caused by the insured driver. Having this coverage ensures that drivers can meet legal requirements and financial responsibilities if they are involved in a crash, preventing substantial out-of-pocket expenses. Comprehensive insurance, collision insurance, and personal injury insurance, while valuable for different reasons, are not legally required to operate a vehicle on Alberta's roads. Comprehensive insurance covers theft and non-collision-related damage, collision insurance covers damages to your own vehicle in the event of an accident, and personal injury insurance provides coverage for medical expenses resulting from an accident. However, since these types of insurance do not address the liability concerns associated with damaging others' property or injuring others, they are not mandatory. Thus, the emphasis on third-party liability insurance highlights its crucial role in maintaining road safety and accountability among drivers in Alberta.