Travel With Confidence and Peace of Mind
The Leduc community offers residents a robust economy, diverse recreational opportunities and a short commute to the major city of Edmonton. Leduc has a population of just under 15,000, but traffic congestion can be a concern for a surprisingly small town. With auto insurance in Leduc, you can confidently travel wherever you want.
Addressing Travel Concerns With Auto Insurance in Leduc
Even though it's 30 minutes south of the big city, traffic congestion and roadway safety can be a concern for travellers around Leduc. The population is increasing by just over 2% each year, leading to more cars on the road. Thousands of cars travel locally at any given time and this increases when tourists make their way to Leduc when summer weather moves in. It’s considered one of the most desired tourist destinations in the country.
In addition to other motorists, the roadways and driving conditions also affect your safety when travelling around Leduc. June is the wettest month of the year to travel, often seeing more than 76 mm of precipitation. It snows seven months out of the year, leading to plenty of days where the roads are slippery and treacherous.
Deciding What Coverage You Need With Auto Insurance in Leduc
Your auto insurance should address both the legal requirements of car ownership as well as the potential risks you face travelling the roads. In Alberta, government regulations require registered car owners to carry the following coverage:
- Third-party liability
- Direct compensation property damage (DCPD)
- Accident benefits coverage
With these requirements, the mandatory coverage amount is $200,000. This amount is adjustable, as you can increase the limit to provide more financial protection.
Third-Party Liability Coverage
When an accident you cause brings injury or death to another person, this insurance helps with these losses. In addition to paying for medical bills or death or funeral expenses, liability coverage will also help pay for the damages to another person’s vehicle. However, if the costs exceed the limits on your insurance, you will pay these out of pocket.
Accident Benefits
Also referred to as bodily injury insurance, this coverage addresses your personal costs for medical treatment if you get into an accident. In addition to paying for medical care or rehabilitation, this insurance will also help cover lost wages if you spend time out of work due to your injuries.
Underinsured or Uninsured Motorist Coverage
Even though insurance is a requirement, you may get into an accident where the other driver doesn’t have a policy or the policy doesn’t have enough coverage to pay for your vehicle’s damage and injuries. This kind of auto insurance in Leduc covers these costs.
Collision Insurance
When you hit another vehicle, a standard insurance policy doesn’t cover the costs of damage to your car. You need to add collision coverage. This will help with the repair or replacement of your vehicle.
Comprehensive Coverage
It’s possible for your vehicle to experience damage unrelated to a car accident. A severe windstorm could cause a tree branch to fall on your car. Vandals could break windows and scratch or dent your vehicle. These repairs aren’t covered under collision. You need comprehensive coverage for help with covered perils. This expanded protection usually includes theft, vandalism, fire, hail, wind or lightning.