What doesn’t a typical TLC insurance policy cover?

There are various exclusions on a liability only policy that should be reviewed, however, one that many drivers may find surprising is that there is no collision coverage. This means if you get into an accident and need to repair your vehicle, you will need to pay out of pocket for these expenses. We recommend that you purchase a collision policy to cover these types of claims – you can contact us for more information. If you get into an accident (see here for a guide) and you were not at fault, you can typically file a third party property damage claim against the at fault party.