Enjoy Peace of Mind With Bridgewater Car Insurance
Bridgewater, in Lunenburg County, Nova Scotia, offers a "Main Street" feel to South Shore living. Many of its 8,790 residents drive, and Bridgewater car insurance can give them incredible peace of mind year-round.
For example, while winter weather in Bridgewater is not as harsh as it can be elsewhere in Canada, the town does get its fair share of extreme or unpredictable weather. Snow can occur as late as May, with the lion's share falling in January (57.5 cm on average). Drivers also have to contend with frequent rains. All in all, the town gets 143.1 days of rain a year and 37.2 snowy days.
Transport Canada’s National Collision Database shows that in Nova Scotia, there were 62 motor vehicle fatalities in 2020 and over 5,000 serious injuries. If you live in Bridgewater, explore your options for car insurance to ensure protection in case of an accident. Weather can cause slippery roads, limited visibility, and many other issues. Even if you drive safely and wear your seat belt, not everyone does.
Different Types of Bridgewater Car Insurance
You can choose from various kinds of auto insurance in Bridgewater. Primary considerations include the legal requirements plus how often you drive, how far, and where you go.
Nova Scotia requires drivers to have insurance or proof of financial responsibility. The required coverage includes third-party liability, direct compensation for property damage, accident benefits (Section B benefits) and uninsured and unidentified insurance.
Required Types of Insurance
Partial no-fault applies in Nova Scotia. This means that drivers can get some benefits from their insurance company if they are at fault. However, other drivers can still sue for costs and damages that a policy does not cover.
Third-party liability insurance and property damage insurance apply in situations when you injure someone in an accident or damage their property. The minimum coverage amount is $500,000, but you can get more coverage for extra peace of mind. For example, if another driver sues you, your assets could be at risk if your insurance coverage is not high enough.
Bridgewater car insurance accident benefits are another required type. They can help with medical expenses, loss of income, rehabilitation expenses, home modifications and other bills stemming from a car accident. These benefits can cover funeral expenses, as well. They apply regardless of who caused the accident.
You can get up to $50,000 in coverage in the four years after an accident. Other examples of what is covered include ambulance bills, mileage expenses for doctors' appointments, chiropractic, strength training and massage therapy.
Uninsured and unidentified insurance offers protection in hit-and-run situations and those with uninsured drivers. It can prevent you from getting stuck unfairly with medical bills and vehicle repair expenses.
Optional Types of Car Insurance
Other types of car insurance such as collision and comprehensive offer more layers of protection. Lenders usually mandate that you have them, too.
- Collision: Applies to damage to your car if you cause an accident
- Comprehensive: Applies to natural disasters, fire, theft, vandalism and other situations not involving a collision
- All perils: Combines collision and comprehensive
- Specified perils: Covers specific named risks
Factors affecting your rates include your driving record, vehicle type, your age and gender, your car usage and your deductible amount. A higher deductible can lower premiums but increases out-of-pocket costs in case of a claim.