The Answers You Need for Car Insurance in Corner Brook, NL
Living in Corner Brook offers beautiful vistas year-round and access to some of Canada’s most iconic wilderness locations, such as the Bay of Islands, Gros Morne National Park, and Three Bear Mountain. To choose the right car insurance in Corner Brook, it’s important to consider factors such as wildlife, road conditions, and commuting needs. With over 110,000 moose in the region and an average of over 500 collisions involving moose each year, your family needs good auto insurance.
What Type of Car Insurance Coverage Helps With Wildlife-Related Accidents?
For single-vehicle crashes involving moose, trees, and stationary objects, collision insurance coverage can help you pay for repairs or replacement of your automobile. This type of coverage can also assist with weather-related accidents, such as sliding off the road because of icy conditions. Freezing weather is common in Corner Brook, with an average of 150 days dropping below zero annually.
Wildlife- and weather-related car crashes can also cause injuries to drivers and passengers. Personal injury auto insurance coverage is designed to cover the cost of your emergency hospital care, therapy, and other medical needs after a car accident, including single-vehicle accidents. In 2021, there were more than 10,000 crashes in snowy weather, and almost 6,000 people were injured as a result.
The minimum mandatory auto insurance in Newfoundland and Labrador doesn’t include collision coverage or personal injury coverage. This means that you need to carefully compare available options and customize your car insurance if you want to include thorough coverage for the drivers in your family.
What Is the Minimum Coverage for Car Insurance in Corner Brook?
In Corner Brook and the surrounding areas, all vehicles need to carry a policy with at least $200,000 in liability coverage, direct compensation property damage coverage, and uninsured or unidentified car insurance coverage.
Liability Insurance
Liability coverage helps you pay for damages and medical expenses involving other drivers, passengers, and vehicles. That way, you don’t have to cover all of these expenses out of pocket if one of the drivers in your family is involved in a crash.
Direct Compensation for Property Damage Coverage
In 2020, local car insurance laws changed to require DPDC coverage. This requires you to make claims for vehicle damage costs with your own insurance company after a car accident, even if the other driver caused the crash.
DPDC isn’t the same as collision coverage, however. Collision insurance also helps in single-car crashes, weather-related accidents, and animal-caused accidents. DPDC only applies to crashes involving other vehicles.
Uninsured or Unidentified Vehicle Coverage
Even though the law states that auto insurance is mandatory, not all drivers follow the rules. For example, an intoxicated driver with a suspended licence may still climb behind the wheel despite not having insurance. In 2021, almost 400 drivers were charged with impaired driving in the region.
Hit-and-run accidents are another common problem. In both of these cases, uninsured or unidentified vehicle coverage can help you with the costs of vehicle repairs or medical expenses after a crash. It’s not fair that your family has to deal with a crash because of someone else’s negligence, but insurance can at least protect your finances and support you afterward.
Do You Need Additional Coverage in Corner Brook?
You can customize your car insurance in Corner Brook. For example, uninsured/underinsured insurance adds coverage for accidents involving drivers with less insurance than needed for your vehicle repairs or medical expenses. Comprehensive coverage insures your vehicle against vandalism, theft, hail, and other weather-related damage.