Basic plate insurance vs. Auto Pak

The benefits of Auto Pak provide you with tailored protection to avoid economic loss.

Coverage comparison between basic injury insurance and the enhanced coverage you get with an Auto Pak policy.

Coverage	Basic plate coverage	Auto Pak coverage
Third-party liability	$200,000	Options: $1 million, $2 million, $3 million, $4 million or $5 million
Family security	Not available	Matches third-party liability option up to $2 million
Road hazard glass	You pay first $700 deductible	Deductible options: $50, $100 or $200
Replacement cost	Not available	Protects your new vehicle from depreciation in the first 36 months from purchase
Damage to your licensed vehicle	You pay first $700 deductible	Deductible options: $50, $100, $200, $350, $500 or $700
Damage to unlicensed vehicles and vehicles you don't own	Not available	Deductible options:$50, $100, $200, $350, $500 or $700
Loss of use of your vehicle	Not available	Indemnity limit options: $1,000 or $2,000

No Fault coverage comparison

No Fault coverage1	Basic injury coverage	Auto Pak coverage
Income benefits	Pays 90% of net income, subject to a maximum gross income of $86,463 (2013), which is indexed.	Pays the 10% of net income not covered under basic injury insurance, plus a formula net income in excess of basic plate insurance. Matches 3rd-party liability limits to $2 million.
Death benefits	Pays 50% of the income benefit the deceased would have been entitled had they lived, plus 5% for each dependant under age 21. Benefit paid to spouse.	Pays any additional amounts required to bring spouse's payments up to 50% of deceased's net income and 5% of net income for each dependant.
Education allowance	Pays up to $43,893 (2013) education and training for homemaking spouses.	Pays an additional 50% in excess of basic injury insurance.
Funeral expenses	Pays $9,573 (2013)	Pays up to an additional 50% for actual expenses over basic injury insurance amount.

Tort coverage comparison

Tort coverage1	Basic injury coverage	Auto Pak coverage
Income benefits	Pays up to $19,552 (2013) annually. Maximum $376 per week for totally disabled and $188 per week for partially disabled. Maximum 104 weeks.	Pays an additional 25% of the weekly income benefit paid by the basic injury insurance amount. Maximum 104 weeks.
Death benefits	Pays 45% of the deceased's net income to spouse, subject to maximum annual income allowed. Plus 5% for each dependant younger than age 21.	Pays any additional amounts required to bring the spouse's payments up to 50% of the deceased's net income, subject to the maximum annual income allowed. Pays any additional amounts required to cover up to 5% of the deceased's net income for each dependent.
Funeral expenses	Pays $6,110 (2012)	Pays up to an additional 50% for actual expenses over basic injury insurance amount.