Prepare for Winter Road Dangers With Auto Insurance in Foothills County
Foothills County, AB, is a growing community with plenty of local small businesses and nearby opportunities in Calgary. This booming transportation is good for commerce but also raises the risks of car accidents for area families. Several Highway 2 intersections have had multiple dangerous crashes, some fatal and others responsible for serious injuries. Families need high-quality auto insurance in Foothills County.
The Importance of Car Insurance in Foothills County
A large number of Foothills County workers have to travel more than 15 minutes to reach work. Commuting many miles every day can increase the risk of a crash. Additionally, speeding is a real problem on county roads in the area, which some vehicles going 60-90 km/h over the speed limit. Even careful drivers can experience a crash because of another vehicle.
Another risk to drivers in Foothills County is the long, cold winters. Temperatures can reach -16 degrees Celsius. Snow and ice are common, potentially leading to single-car collisions with trees or other hazards. This type of winter weather played a part in over 25% of injury collisions and 15% of fatal collisions near Foothills County.
A Wide Range of Car Insurance Options
Choosing the right combination of auto insurance coverage can make a huge difference following a car accident. At HUB International, we offer many options for auto insurance in Foothills County:
- Comprehensive coverage
- Personal injury protection
- Liability insurance
- Collision coverage
- Underinsured and uninsured motorist insurance
Many families choose several types of car insurance coverage. That way, drivers are prepared for the unexpected.
What Is Comprehensive Car Insurance?
The purpose of comprehensive coverage is to be prepared for damage from severe weather, theft and other costly problems when the driver is not in the vehicle. For example, if an ice storm causes a tree branch to fall on a car parked in the owner’s driveway, comprehensive car insurance can pay for repairs or replacement.
What Are the Requirements for Personal Liability Insurance in Foothills County?
Every driver in Foothills County must carry at least $200,000 coverage for third-party liability claims and accident benefits. This type of coverage provides compensation for injured parties (not the driver) in the event of a claim, such as medical costs, lost income and rehabilitation needs.
Obtaining additional insurance coverage can provide extra protection for the at-fault driver’s finances. Medical expenses can add up quickly.
Why Purchase Uninsured or Underinsured Motorist Coverage?
It’s regrettable, but some drivers in the Foothills County area take to the road without having legally mandated insurance. For example, people with a suspended licence and no insurance may still try using their vehicles on rural roads.
Underinsured motorists have the legal amount of insurance coverage but not enough for serious car crashes. The cost of long-term rehabilitation, surgery, vehicle repairs and unemployment can outpace basic liability policies. In these situations, uninsured motorist insurance allows us to step in and cover added costs.
What Is the Difference Between Personal Injury Protection and Collision Insurance?
Personal injury protection covers injuries to the driver (and family members with some plans) regardless of who is at fault for the accident. That way, the covered parties can receive assistance with medical care, rehabilitation and long-term needs related to car accident injuries.
Collision insurance, on the other hand, focuses on vehicle damage. Whether drivers experience a single-vehicle crash or a multi-car accident, collision cover can assist with repairs or replacement. This can often help drivers avoid lost work or other disruptions.