Staying Safe on the Road With Bathurst Car Insurance
The history of Bathurst dates back to the early 1800s and it has grown into a community with a population of over 31,000. Being a city with ample attractions, and one that's great for raising a family, Bathurst sees plenty of traffic. Before you get behind the wheel, take some time to review your policy for car insurance in Bathurst, NB, so you can stay safe on the road.
From 2021 to 2022, criminal traffic violations went up approximately 22% in Bathurst. Though the city has one of the lowest collision frequencies, they do happen and you do need to be cautious on the road. Studies show that Fridays have the most collisions in the area, but Wednesdays are the most dangerous for pedestrians.
Another factor that makes Bathurst roads more dangerous is the weather. Snow covers the ground from December through April, making the roads wet and slippery. Even during the warm, humid summers, drivers run the risk of having their view obstructed by the sun glaring on the windshield. Snow, rain or shine, it's always important to drive with caution.
Knowing What Type of Policy to Purchase for Car Insurance in Bathurst, NB
When speaking with an insurer, you will realize there are several types of insurance policies. What is right for you?
Liability Coverage
In Bathurst, liability coverage is required for all drivers. If you are in a car accident and you are at fault, liability steps in to pay for injuries and property damage that you caused to another driver. Not only is this coverage the law, but it also protects you from costly lawsuits.
Accident Benefits Coverage
When you are in a car crash, accident benefits coverage pays for some of the injuries you sustain. Fault is not an issue with this policy, and it is another type of car insurance in Bathurst, NB, that is required by law. Whether you caused the crash or another driver caused it, you can receive these benefits.
Direct Compensation Coverage
Fault does play a role in direct compensation coverage. The insured driver who is not at fault receives the benefit of having some expenses paid for damage done to the vehicle involved in the crash. Direct compensation coverage is lawfully required for all drivers.
Uninsured/Underinsured Coverage
Another required type of coverage, uninsured/underinsured covers both your medical costs and property damage costs if you are hit by someone without proper insurance. Hit-and-run accidents may fall into this category.
Understanding Additional Options for Auto Insurance
After you have included all the required coverage in your auto insurance policy, speak with your insurer about the additional options you have:
- Specified Perils - Coverage for fire, theft and similar risks that are specifically named in the policy
- Collision - Coverage for damage caused by any type of collision with a vehicle or other object
- Comprehensive - Coverage for unspecified perils such as vandalism and weather-related events
- All Perils - Coverage that combines collision, comprehensive and theft
- Uninterrupted Driving - Coverage for rental cars and towing
- Accident Forgiveness - Coverage that protects your rates from going up when you're at fault for an accident