Prepare for Unexpected Accidents With Trustworthy Auto Insurance
Westlock is a peaceful community of just under 5,000 people that’s about an hour north of Edmonton. Despite how cozy this town feels, though, families need Westlock auto insurance in case of car accidents. Two major roads pass through the area, Highway 44 and Highway 18. Highway 44 is one of the most dangerous roads in Alberta, and there have been dozens of serious injuries and fatalities on the stretch between Highway 16 and Highway 18.
Some Dangers for Drivers in Westlock
The majority of accidents around Westlock involve cars, SUVs and pickup trucks, but some involve the CN railway line that runs through town. In 2020, there were a total of 12 serious collisions involving trains in the surrounding area, eight causing injuries and four fatal. All in all, there were roughly 9,000 injury-causing crashes, 200 fatal collisions and 85,000 “fender benders” in the region.
Why do these auto accidents happen? Weather plays a role, such as winter storms with icy or snowy roads. That said, most crashes occur during the day and on dry roads. Driver habits often contribute to accidents near Westlock, such as following too closely, going off the road or making dangerous left-hand turns.
The Need for Trustworthy Westlock Auto Insurance
What these statistics mean is that car accidents happen near Westlock and appear unexpectedly. Few drivers anticipate getting into a crash during the day or when roads are dry, but the risks are real. It’s impossible to predict how other drivers will react, such as swerving, turning without signaling or braking suddenly.
High-quality insurance provides an additional layer of protection. If a serious accident occurs, covered drivers can get compensation for medical care, rehabilitation, lost work opportunities, vehicle damage and other needs. Put simply, Westlock auto insurance helps drivers to retain some degree of control after a car crash.
Factors for Choosing Auto Insurance in Westlock
Every family has different auto insurance needs. To select a good fit, consider the following factors:
- Lifestyle: Driving habits and average time on the road
- Employment and commuting habits: Number of hours spent commuting each month
- Family situation: Additional drivers who require coverage under an insurance plan
- Goals: Coverage necessary to protect health and provide for family members
- Budget: Types of insurance and coverage limits that fit family finances comfortably
Many of our customers select a range of coverage that includes insurance for injuries, multi-car accidents and single-car collisions.
Types of Westlock Auto Insurance
Auto insurance in Westlock falls into five main categories: liability, injury, collision, underinsured or uninsured and comprehensive coverage.
Liability Coverage
This mandatory insurance helps at-fault drivers cover the other party’s damages. Liability compensation includes vehicle repairs and medical bills.
Personal Injury Insurance
This option helps to cover the client’s medical treatment regardless of who is at fault. Coverage can help with surgeries, therapy, medication and ongoing rehabilitation related to the accident.
Collision Insurance
The coverage helps with vehicle repairs or replacement for clients who have been in a car accident. For example, if drivers slide into a tree because of icy roads, collision insurance can help fix or replace the damaged vehicle.
Uninsured or Underinsured Motorists
This supplemental insurance plan steps in when the at-fault driver’s insurance isn’t enough to cover medical bills or vehicle repairs. This happens more often than many Westlock residents think. Some people even drive illegally with a suspended licence.
Comprehensive Coverage
Comprehensive insurance helps with vehicle damage that happens when the driver is away. Heavy winds can cause a tree to fall on a car at home. Hailstorms can damage parked cars anywhere.