This coverage is available if you have an accident caused by someone who is uninsured (i.e. neither the owner or driver is insured) or not identifiable (for example, in a hit and run). You are covered by your own insurer thanks to Uninsured Motorist Cover (in Alberta) and Uninsured Automobile coverage (in other provinces). To qualify, the other driver has to have been at fault.
How much coverage is available?
You will be covered up to the statutory limit in the province where you live or the province where the accident took place, whichever is less. This is generally $200,000. The exceptions are Nova Scotia ($500,000) and Quebec ($50,000).