Hope for the Best but Prepare for the Rest
Aurora, Ontario, is one of those beautiful cities that makes you want to drive. Just 35 km south of picturesque Lake Simcoe and 35 km north of Toronto’s buzzing metropolis, Aurora makes it easy for families to have fun. Unfortunately, busy highways and large cities also mean that auto accidents are a constant danger. Every driver needs trustworthy auto insurance in Aurora, and that’s where we come in.
Why Are There So Many Car Crashes in the Greater Toronto Area?
In 2021 alone, Ontario saw over 23,000 accidents involving personal injuries or fatalities. More than 30,000 people faced injuries. Many of these accidents were hard for drivers to predict, including over 5,000 rear-end collisions and another 5,000 involving a vehicle making a turn. At HUB International, our goal is to help you find the right auto insurance policy so you can prepare for the unexpected.
The region’s weather may play a part in so many crashes, with temperatures that reach -20 degrees Celsius in winter and over 660 mm of rainfall each year. That said, the most dangerous months on the road are June to November. Distracted driving is another factor in accidents, with 35% of teen drivers admitting to texting and driving at the same time.
What Type of Car Insurance Do You Need?
The type of car insurance you need depends on where you drive and how often you’re on the road. Options for auto insurance in Aurora range from personal injury and liability protection to comprehensive solutions for Canada’s unpredictable weather events.
Personal Injury Protection
Whether you commute to work every day in Toronto or take care of errands around Aurora, there’s always the risk of another driver rear-ending your vehicle or running a red light. Even seemingly minor accidents can lead to injuries that affect your quality of life, including neck injuries or back pain. If you get injured in a car accident, personal injury protection can help cover your medical expenses, making sure you receive the care you need from medical professionals.
Personal Liability Insurance
As a driver, you also need to carry personal liability insurance before hitting the road. This protects you just as much as other drivers because it helps to cover medical expenses and damages for other drivers. Personal liability auto insurance helps you in situations where you accidentally cause a crash, perhaps because of snow or ice.
Comprehensive Auto Insurance in Aurora
Being ready for anything also involves preparing for situations when you’re not even driving. For example, a tree branch can fall onto your vehicle after a heavy storm, or thieves may steal parts from your car. Comprehensive coverage protects your interests in these situations.
Uninsured or Underinsured Motorist Coverage
It’s unfair when the person who crashes into you — such as a drunk driver with a revoked license — doesn’t have proper insurance. How can you afford to repair your vehicle or cover your medical costs? In those situations, uninsured/underinsured coverage from HUB International has your back.
Collision Insurance
Some accidents in Ontario only involve a single vehicle, such as a car sliding off the road and colliding with a tree. Collision insurance can pay for repairs or replacement for your vehicle, regardless of who is at fault for the accident.