How To Choose Reserve Mines Car Insurance
Drivers in Reserve Mines, NS, need dependable auto insurance to prepare for local road risks. If you live in this tight-knit community of 2,400 people, you face some of Canada’s most intense weather conditions. Every year, there are approximately 5,000 injuries from car accidents in Nova Scotia, making Reserve Mines car insurance a must.
Common Driving Risks in Reserve Mines, NS
Car insurance can’t prevent a crash, but it’s one of the best ways to prepare ahead. With good insurance, you can protect your family’s finances and get back on your feet as quickly as possible.
Wildlife-Related Car Accidents
Various types of wildlife call Cape Breton Island home, from massive moose to stealthy coyotes. Wild animals are involved in hundreds of local car crashes every year. Moose are immense, with males weighing as much as 550 kg and reaching more than 2 metres in height. They’re also protective and aggressive during certain times of the year, increasing the risk of vehicle attacks. These factors can lead to serious injuries.
Intoxicated Drivers
Impaired driving contributed to almost 25% of all fatal car crashes in 2022, even more than the crashes caused by weather, speeding, or distracted driving. Additionally, some intoxicated drivers get behind the wheel without any insurance coverage. This isn’t fair, as it shifts the burden to vehicle owners to carry preventative Reserve Mines car insurance, such as uninsured or unidentified vehicle coverage.
Weather Hazards
The weather in Reserve Mines can bring icy roads, poor visibility, and intense storms at a moment’s notice. Here are a few local statistics:
- On average, the coldest day every year reaches minus 17 degrees Celsius
- Reserve Mines gets over 1,400 mm of precipitation annually (compared to about 850 mm in Ontario)
- It snows or rains more than 160 days each year
- The temperature drops below zero 33% of the time
- There are more than 40 ice days annually
Slick road conditions can affect even the best of drivers. Wet roads were involved in over 11,000 car crashes in 2021, snow caused 3,000 accidents, and icy conditions caused 5,000 injuries.
Important Types of Reserve Mines Car Insurance
Some types of auto insurance are mandatory for drivers in Nova Scotia, such as liability coverage. Other insurance types fall under the optional-but-wise umbrella.
Third-Party Liability Insurance
Personal liability insurance protects your finances if you cause or contribute to a car accident with other vehicles. It can cover repairs or medical care for passengers and other drivers, helping you avoid paying out of pocket for these costs.
Collision Insurance
This type of coverage applies to your vehicle. It can compensate you for repair costs in a variety of car accident scenarios:
- Crashes with other vehicles
- Single-car accidents related to weather, such as sliding into a ditch
- Collisions with wild animals
- Impacts with stationary objects, including parked cars and posts
Collision insurance can even help you replace a totalled vehicle.
Direct Compensation Property Damage Coverage
Similar to “no-fault” insurance, direct compensation car insurance gets around the hassle of negotiating with the other driver’s insurer after a crash. This Reserve Mines car insurance covers your car repairs even when you’re not responsible for the accident. It only applies to crashes with other vehicles, so it doesn’t replace the need for good collision insurance.
Personal Injury Coverage
Some level of accident benefits coverage is mandatory, but you can increase your personal injury coverage if local medical expenses are likely to exceed policy limits. This type of insurance helps with your medical care after a crash.