Get Peace of Mind With an Auto Insurance Fort McMurray Policy
Fort McMurray, located in northeast Alberta, is a bustling urban service area surrounded by rugged forests and backcountry trails. Active tourism and busy oil drilling seasons can make for a sharp increase in roadway traffic during certain times of the year. Unfortunately, busy roadways lead to an increased risk of automobile accidents, which is why it’s so important to have auto insurance in Fort McMurray.
Fort McMurray became the capital of Canada’s rapidly-growing tar sands industry early in the 21st century. The town boasts the third-largest oil reserve in the world, which draws thousands of skilled labourers from across the globe on a seasonal basis. The total population in this town is just over 110,000 people. The average income for individuals aged 15 or older in private households is $84,130.
If you live in this quaint town, it’s important to make sure you have adequate insurance to provide monetary assistance in the event of an accident. The town receives an average annual precipitation of 438 mm. Wet driving conditions can lead to slick roads, reduced visibility and an increased risk of becoming involved in a car accident.
Different Types of Auto Insurance in Fort McMurray
There are several different types of auto insurance in Fort McMurray. The coverage you need depends on how often you’re on the road, where you drive and what the local laws require. Here are some of the options:
Personal Liability Insurance
Personal liability insurance helps cover any damages or medical expenses you may cause to other drivers as a result of a car accident. This type of insurance can provide financial protection for both you and other drivers. If you accidentally cause a crash — potentially because of inclement weather conditions — you’ll be grateful to have personal liability insurance in your policy.
Personal Injury Protection
This is the most basic type of car insurance every driver should have. Personal injury protection can help cover your medical expenses if you become injured in a collision. Every time you get behind the wheel in Fort McMurray or anywhere else, there’s a risk you could be hit by another driver. Whether you suffer minor whiplash or a major injury requiring surgery, it’s important to have an insurance policy that can reduce your financial burden and help you pay for the medical care you need to recover.
Comprehensive Auto Insurance
A comprehensive auto insurance policy is wise to have if you want the ultimate peace of mind. This type of policy can provide financial protection if your vehicle is ever damaged, even when you aren’t behind the wheel. Comprehensive coverage can come in handy if your vehicle is ever vandalized, damaged in a hailstorm or impacted by any other natural disaster.
Collision Insurance
Not all collisions involve two vehicles. You might be involved in a single-car accident after hydroplaning and ramming into a power pole or sliding into a ditch during a snowstorm. In this type of situation, collision insurance can pay to replace or repair your vehicle.
Uninsured or Underinsured Motorist Coverage
If someone without insurance crashes into you, it’s not fair for you to get stuck with all the medical bills and repair costs. Uninsured or underinsured motorist coverage can protect you if you’re ever involved in a collision with someone who doesn’t have proper insurance.