Prince Edward Island Mandatory Auto Insurance Coverage
Prince Edward Island uses private automobile insurers, but provincial law sets a mandatory coverage framework. The Insurance Act requires at least C$200,000 of third-party liability, while the standard policy also includes DCPD, accident benefits and uninsured/unidentified automobile protection.
What to know
Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.
Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.
Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.
Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.
The statutory minimum is not a personal recommendation
C$200,000 is the legal minimum liability amount in PEI. Higher limits can be purchased. A household should compare the actual limits, exposures and premiums rather than interpreting the minimum as the right amount for every driver.
Mandatory coverage does not insure every type of damage to your own car
DCPD handles the not-at-fault portion of qualifying property damage, while optional collision and comprehensive coverage address other physical-damage scenarios under their own wording and deductibles.
The standard policy separates liability, injury and property-damage functions
Third-party liability, DCPD, mandatory accident benefits and uninsured automobile coverage answer different claim questions. Canada Rate Lab keeps those coverage layers separate instead of presenting one generic 'full coverage' label.
Verify the current PEI rule
Insurance legislation, approved rates and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Prince Edward Island Insurance Act →