Compare Rates for Auto Insurance in Miramichi
Miramichi is an attractive city in Northern New Brunswick with a population of approximately 17,500 people. As one of the largest cities in New Brunswick, Miramichi has plenty of traffic. Over a third of the city’s residents (6,400) have to commute to work outside the home every day. If your family has one or more drivers, choosing dependable car insurance in Miramichi is important.
Car accidents are difficult to predict, but high-quality auto insurance lets you take steps to protect your family’s finances and needs. Many crashes in the region happen because of weather conditions and other environmental factors. Miramichi has about 150 days of frost and 60 days of ice every year. Icy roads can cause crashes with other drivers, parked cars, wild animals, or stationary objects.
Miramichi Vehicle Theft Problems
Another factor to keep in mind is local crime statistics. Families in the region had to deal with over 2,000 vehicle thefts in 2022. Even more concerning, this number represents an increase of almost 20% compared to the previous year. Car insurance in Miramichi can make it easier to recover after vehicle theft or damage, and it can give owners peace of mind.
Types of Car Insurance Coverage in Miramichi, NB
Your family has various options available for auto coverage, including the type of insurance you want and the amount of protection that fits your needs. Many drivers in Miramichi choose personal liability insurance, collision insurance, and personal injury protection. Comprehensive auto and uninsured motorist coverage are popular as well.
Personal Liability Versus Personal Injury Insurance
Personal liability insurance covers the costs of injuries, damages, and vehicle repairs for other drivers or passengers in a crash. Vehicle owners in Miramichi, NB, must carry at least $200,000 in liability, property damage, accident benefits, and uninsured motorist coverage.
Not only is this type of car insurance in Miramichi mandatory, but it’s also a good idea for your family’s finances. That way, if you get involved in an accident, you don’t need to cover excessive hospital bills for the other person’s injuries out of pocket.
On the other hand, personal injury insurance is designed to cover your injuries after a crash. You can visit a doctor, get the medical care you need, and obtain assistance with the costs of medication or therapy. This type of coverage can help in car accidents with other vehicles and also single-car collisions, such as sliding off the road or hitting a deer.
Collision Insurance
Similar to the way personal injury insurance helps with your own injuries, collision insurance assists with repairs for your own vehicle after a crash. The cost of a collision policy depends on factors such as the type of vehicle you own and your record of safe driving.
This type of insurance is especially valuable for people who live in cold climates with icy roads. Slick roads make it harder to brake in time to avoid accidents or obstacles in your path.
Comprehensive and Theft Insurance
Comprehensive coverage deals with damage when your car is parked, such as vandalism, theft, fallen trees, and storm-related impacts. While you’re not legally obligated to carry comprehensive insurance, many families see it as a good investment for unexpected events.
Uninsured or Underinsured Motorist Insurance
Even though car insurance is the law in New Brunswick, some vehicles don’t have adequate coverage. Choosing uninsured/underinsured coverage is one way you can take action to protect your finances if another driver doesn’t have the insurance they should. Your policy can cover medical and vehicle repair costs that exceed the other driver’s limits.