Protection From the Unexpected Costs of Auto Accidents
Beaumont is a small Alberta town known for its unique French architecture and red brick walkways. The town's name means "beautiful hill," and residents and visitors alike come to Beaumont for its old-world charm. However, Beaumont's charm can't save residents from modern inconveniences like traffic accidents. Fortunately, drivers can protect themselves by purchasing auto insurance in Beaumont.
Beaumont Driving Risks
The City of Beaumont uses automated traffic enforcement (ATE) to curb risky driving behaviours. While collisions within the city dropped by more than 50% in 2021, multiple risk factors increased.
The ATE system captured over 2,500 speed offences, an increase of over 150% from 2020. Red light offences jumped over 300%, and stop sign offences increased by more than 350% in the same period. These increases in risky behaviour may account for almost 70% of collisions occurring in red light or stop sign zones.
Options for Auto Insurance in Beaumont
Alberta residents must purchase basic automobile insurance. The law doesn't require drivers to purchase additional coverages, but they can be beneficial.
The best auto insurance solution for you depends on a variety of factors including the type of vehicle you have and how often you drive. Your HUB International broker can help you choose the right policy based on your budget and driving habits.
Direct Compensation for Property Damage
Direct compensation for property damage (DCPD) is mandatory coverage. DCPD pays for damage to your vehicle when another insured driver is at fault for an accident.
Third-Party Liability
You must purchase third-party liability coverage to pay for any injuries and property damage you accidentally cause to another person in an auto accident. This coverage does not apply to any damages paid for by the other driver's DCPD coverage.
Accident Benefits
Accident benefits is a required coverage that provides benefits to pedestrians and occupants of your vehicle if a collision causes injuries or death. This coverage applies whether or not you caused the accident.
Collision
If you cause a collision that damages your vehicle, collision coverage pays for the damage to your vehicle. This coverage is optional, and if you decide not to purchase it, you will need to pay for the damage to your vehicle out of pocket if you cause an accident.
Comprehensive
Comprehensive coverage is optional coverage that pays for damage caused by something other than a collision. Examples of damage comprehensive coverage pays for include damage from weather events, such as hail, and theft or vandalism.
Uninsured or Underinsured Motorist Coverage
If a driver with no insurance or not enough insurance causes an auto accident, you may be able to file a claim with the Motor Vehicle Accident Claims Program (MVACP) to cover your injuries. However, MVACP claims do not pay for property damage.
Choosing the Right Auto Insurance in Beaumont for Your Needs
Every driver in Beaumont must purchase at least the three mandatory coverages. If you are on a tight budget or own an older model car, this may be all the coverage you need.
However, purchasing one or more optional coverages provides you with additional protection from weather damage, theft and uninsured drivers. Additionally, collision coverage ensures that if you cause an accident, you won't have to pay for expensive repairs out of pocket. If cost is a concern, talk to your HUB International broker about ways you can save money without sacrificing coverage.