Take Care of Your Health on the Road
When you think of automotive insurance, you probably think about damage to your vehicle. In reality, high-quality car insurance in Kanata does much more than pay for repairs when someone hits you. It can help you cover the costs of health care and emergency medical treatment after a crash, keeping you safe. Over 13,000 road accidents happen in the Kanata area every year, so thinking of your health is vital.
How Common Are Severe Injuries in Kanata Car Accidents?
Kanata has quiet residential areas, but there's also a bustling tech business scene. Traffic and commuting are a given in this popular Ottawa suburb, which makes high-speed vehicle crashes more likely. In 2019, over 3,200 people in the Kanata area suffered life-changing injuries from car accidents, and 20 people died. The majority of these accidents involved crashes with other vehicles, not accidents with stationary objects.
How Can You Protect Yourself?
According to Kanata crash statistics, there are things you can do to avoid car accidents, such as avoiding texting and driving. That said, over 80% of car accidents in Ontario happen on clear days with excellent road conditions. Contrary to what you may think, only about 20% of crashes happen at night, while over 70% occur during the day. Sometimes, accidents simply catch you by surprise.
This underscores the importance of having trustworthy car insurance in Kanata. It’s smart to do your best to anticipate problems on the road, but you need insurance for the times accidents come out of the blue. At HUB International, we’re here to help when that happens.
What Are Your Options for Car Insurance in Kanata?
Different aspects of auto insurance cover different types of accidents:
- Personal injuries: Covers the driver’s injuries in a car accident
- Liability: Covers damages for passengers, other drivers and other vehicles when you are responsible for an accident
- Comprehensive: Covers vehicle damage that happens when you’re not driving, such as fallen tree branches
- Collision: Covers repairs or replacement of your vehicle after car accidents
- Underinsured/uninsured motorist: Covers accidents where the other driver doesn’t have enough insurance
Our team can create a custom car insurance plan for your needs that pulls from a variety of coverage types.
What Are Some Factors That Impact the Type of Coverage You Choose for Car Insurance in Kanata?
The circumstances of every driver are different, so it’s important to take your time when choosing the coverage that fits you and your family’s needs:
- Vehicle type: Some types of vehicles are built for fun, and others are for getting the job done. The cost of insurance varies depending on car safety ratings, vehicle theft statistics and other numbers.
- Family members: If you have a teen or spouse who uses your car, you can add them to your policy. Families who have multiple vehicles may save money by putting together a complete car insurance package.
- Responsibilities: If your family depends on you for income, make sure your personal injury coverage and accident coverage is enough to help you get back on your feet quickly after an accident.
- Work: The more time you spend on the road, the greater the risk of an accident. If you use your vehicle for work, such as driving passengers, you need a commercial car insurance policy.
The minimal insurance required by law isn’t always enough to meet your personal goals. We can help you choose the right level of coverage for your needs and budget.