Be Ambitious Without Being Reckless
Residents of Sturgeon County work together to move their area forward. The goal is to seek opportunities that embrace and build upon the diverse heritage left by First Nations peoples who made the area their homeland. While championing and engaging in this progressive venture, Sturgeon County auto insurance can keep you protected.
The Risks You Face Without Sturgeon County Auto Insurance
Whether you are taking advantage of the outdoor spaces or making the commute to work at a clean energy or agribusiness organization, you face risks as a motorist. Sturgeon County has around 1,776 kilometers of local roads and 185 kilometers of secondary roads. Major highways like Alberta Highway 28 also bring concerns about accidents and injuries.
Drivers in Sturgeon County could see their commute cut short by an accident caused by a distracted or speeding motorist or influenced by terrible driving conditions. Heavy winds and severe thunderstorms bring lightning, heavy rain and hail. Winter months bring snow, ice and sleet. Driving without auto insurance is living recklessly.
The Protections of Sturgeon County Auto Insurance
Sturgeon County auto insurance is an important part of travelling safely throughout Alberta. While it doesn’t provide physical protection against an accident, it gives you financial protection whether you are the victim of an accident or the cause of one.
The cost of damages from an accident, whether medical care or repair work for a vehicle, could be thousands of dollars. You may not have extra money lying around to take care of these costs. This is when insurance is a necessity.
Because of the financial risks that come with getting into an accident, Alberta requires all motorists to purchase basic car insurance. This includes accident benefits and third-party liability.
Accident Benefits
Under this section of your policy, pedestrians, passengers and you as a driver are eligible for compensation for medical care if injured in an accident. This policy doesn’t depend on who is at fault for the accident. It can also provide coverage if there is a death from the collision. Coverage extends to income replacement, rehabilitative treatment and other costs associated with recovery or death and funeral expenses.
The policy limits for your Sturgeon County auto insurance may not fully cover the cost of accident-related expenses. Depending on your financial situation, you may want to talk to a broker about increasing your limits or adding additional lines of coverage for better protection.
Third-Party Liability
With your auto policy, third-party liability coverage helps if you are found at fault for the accident. Should the other driver need medical care or repairs to their vehicle, you could be held responsible for these costs.
The policy will either reimburse or directly pay for the expenses related to the medical care of the other driver, whether it’s immediate treatment or rehabilitation appointments. The policy will also take care of the costs to repair or replace the damaged vehicle. However, these payouts have a limit specified by the policy terms. Any remaining expenses you would personally pay out of pocket.
The Considerations for Auto Insurance
Since there is a chance you could still be personally responsible for some of the expenses after a car accident, it’s important to talk about extending your payout limits. You can also discuss adding supplemental coverage through collision, comprehensive or underinsured motorists to address the expenses you would face for repairing your car in an at-fault accident.