The Importance of Edmundston Car Insurance
In 2022, Edmundston boasted a population of over 22,000. With a growing economy that attracts permanent residents and attractions that pull in the visitors, it has become a fun place to spend your time. With so much to do, traffic can get dangerous. Make sure you have the protection you need by reviewing your policy for car insurance in Edmundston.
Car insurance protects you from having to pay the high costs that come with incidents related to your vehicle. From 2021 to 2022, criminal traffic violations went up by 46.31%. There's a chance your vehicle could be included in a hit-and-run, theft or other incident, making you part of that growing statistic. Insurance pays for the damages and injuries that come with those situations.
Another factor making the roads dangerous in Edmundston is the weather. It snows in this area from October to May, leaving the roads slick and unsafe. When there's no snow, rain is often falling and the roads remain wet and slippery. When the skies are clear from June through October, drivers need to be wary of glares from the sun obstructing their view.
Car Insurance in Edmundston Required by Law
In Edmundston, drivers are required to have car insurance. While some coverage types are optional, others must be included in every policy.
Third-Party Liability
If you are involved in an accident and you are found to be at fault, third-party liability coverage pays for damages and injuries you caused, which is why it is required. Not only does this protect you from having to pay for those expensive repairs and medical costs, but it protects you from facing lawsuits brought by the other driver.
Direct Compensation
When you are involved in an accident and it's not your fault, several scenarios could play out with the at-fault driver. Direct compensation coverage is required and will cover the damage done to your vehicle in those situations in which you are not at fault.
Accident Benefit
This required coverage pays for injuries you sustain in an accident, regardless of fault. There are typically other costs covered as well, and those are determined by your insurer.
Uninsured Automobile
Although car insurance in Edmundston is required, not everyone obeys the law. With this required coverage, your medical costs and property damages are covered when someone with insufficient insurance causes an accident you are involved in.
Additional Coverage You Could Consider
When you want coverage that goes beyond the required minimum, your insurer can explain additional options. You might consider these options based on your age, your experience, how often you drive and how far you drive:
- Collision - Whether you hit a vehicle or another object, collision coverage helps to cover the repair costs.
- Comprehensive - This covers a handful of incidents that are not collisions, such as theft or weather-related events.
- Specified Perils - With this coverage, you can pick and choose which perils you want to cover with your policy.
- All Perils - The most all-inclusive coverage, All Perils combines collision and comprehensive, adding theft coverage as well.