Make Sure Your Vehicle Has the Right Insurance Protection
Parkland County, AB, is a beautiful area with a variety of wilderness spaces, small towns, highways and rural roads. The approximately 35,000 people living in this community own roughly 24,000 vehicles, meaning that many families have multiple drivers. Despite the relaxed feel of the area, there are a large number of vehicles on the road at any given time. These statistics highlight the importance of having adequate auto insurance for Parkland County families.
Why Every Family Needs Auto Insurance in Parkland County
Choosing the right type of insurance coverage to protect family members in the event of a crash matters. Required basic liability insurance doesn’t cover injuries for the vehicle’s driver or passengers. Parkland County statistics reveal that a significant majority of registered vehicles are heavy vehicles such as trucks (11,000), utility vehicles (4,800) and work vans (1,100). In a car crash, these large vehicles can cause significant damage.
Some places in Parkland County already have a reputation for dangerous accidents, such as the intersection of Highway 16A and Range Road 20. The limited visibility in the area has caused such serious crashes that school buses in the county are not allowed to use this road anymore. There are multiple injury-causing accidents every month in the area. Sadly, in Alberta, the majority (70%) of fatal collisions happen in rural areas such as Parkland County.
How Auto Insurance Can Help Parkland County Families Stay Safe
No insurance can prevent accidents from happening, but having coverage can help significantly afterward by:
- Helping with emergency medical expenses and treatment costs
- Assisting with ongoing recovery from injuries
- Compensating for lost wages
- Covering vehicle replacement or repairs
Having trustworthy insurance can improve a family’s quality of life considerably after an accident, providing the funds needed to receive high-quality medical care.
What Different Types of Auto Insurance Cover
Choosing auto insurance coverage is a serious decision, but it doesn’t need to be complicated. At HUB International, our team makes the process much easier with simple applications and clear answers. Auto insurance in Parkland County includes five main categories.
Personal Liability Insurance
Every driver in Parkland County must have some level (at least $200,000) of personal liability coverage. This helps to cover injuries to the other driver and passengers as well as repair costs for the other vehicle. Considering how icy rural roads around Parkland County can get, adequate coverage for accidents is a must.
Personal Injury Protection
If an accident happens, personal injury protection can assist with coverage for necessary medical treatment. Even when the other driver is at fault, going through the claims process with a different insurer can take time. Having personal injury protection allows for immediate care. This type of coverage can also help with potentially life-changing injuries, such as back injuries and neck pain.
Uninsured or Underinsured Motorist Insurance
It’s sad to say, but not all drivers carry the required amount of insurance coverage. Other times, the costs of the accident exceed the at-fault driver's coverage. In these situations, uninsured or underinsured coverage can come to the rescue.
Comprehensive Coverage
Comprehensive auto insurance provides coverage for unexpected accidents when no one is behind the wheel. Theft, storm damage and fallen trees are a few examples.
Collision Insurance
Some accidents in Parkland County involve a single vehicle. Icy roads or deer can make a car swerve off the road. Collision insurance helps cover vehicle repairs or replacements in this type of crash.