Find the Auto Insurance You Need in Nova Scotia
Shelburne is a small community on the eastern coast of Nova Scotia, and while traffic tends to be light in a town with just over 1,600 people, there are still some road hazards that make good insurance an important investment. Coastal weather patterns can cause slippery conditions on the road in any season because of Nova Scotia's humid climate. Whether it is because of icy buildup in the winter or heavy rain that causes hydroplaning in the warmer months, car insurance in Shelburne protects you from the cost of repairs if you have an accident.
Theft Protection From Car Insurance in Shelburne
Shelburne is a small community, but it is still one where property crime is unfortunately high. Protection from theft is important under those conditions. Robust protection covers not only theft of the vehicle itself, but also its contents. It can help with damage from broken windows, and it can even cover the theft of car parts like your wheels or catalytic converter. That lets you rest assured that your car is protected wherever you park it.
Required Auto Coverage in Nova Scotia
If you own a vehicle in Shelburne, Nova Scotia's standard insurance requirements apply to your car. That means you need to have at least $500,000 in third-party liability coverage. Most drivers do take more because the policy maximum covers both injury and property damage. Drivers are also required to have accident benefits coverage, which takes care of medical costs and rehabilitation expenses for the driver and passengers. Lastly, you are required to carry uninsured motorist coverage in case you are in an accident with a driver who does not have a policy.
Collision and Comprehensive Car Insurance for Shelburne
Most drivers opt to carry insurance that exceeds those minimum requirements because they elect to cover damage to the vehicle as well. That means adding a collision policy, or if you want theft protection, a comprehensive policy. Both forms of coverage come with a deductible you pay out of pocket, but then all damage from covered causes is taken care of until you reach the policy limit. Many banks and financing companies require either collision or comprehensive coverage as a condition for granting a loan that uses a vehicle as collateral.
Comprehensive insurance for Shelburne covers collisions as well as damage to the vehicle when it is parked, property crime protection and more. It is the most complete form of protection for most drivers, especially when you include common quality-of-life upgrades. Whether you add those upgrades or not, protection from theft and vandalism is often worth the extra cost of comprehensive insurance protection.
Both roadside assistance and rental coverage are inexpensive ways to make your life easier when your vehicle breaks down. Those services work even when you have no larger claim to make about the incident, providing you with options that limit your expenses when you have ordinary mechanical issues to complement your accident coverage. For drivers with customized vehicles, additional protection to cover performance upgrades is an option.