Why Your Family Needs Blackfalds Auto Insurance
Blackfalds is one of the fastest-growing areas in Alberta, with a population of 10,500 people and counting. This rapid growth isn’t surprising, given such a convenient location between Edmonton and Calgary. Both centres are only 150 kilometres away, so your family can enjoy small-town life with big-city amenities. That said, the high volume of traffic also makes Blackfalds auto insurance a must.
A Huge Volume of Traffic for a Small City
Alberta’s bustling Highway 2 runs next to Blackfalds, bringing an astounding number of vehicles near the city. The average annual daily traffic volume near the Blackfalds intersection of Highway 2 is over 40,000 vehicles. About 18,000 travel to and from Calgary, and 14,500 to and from Edmonton. In addition to 24,500 passenger vehicles, there are roughly 3,600 heavy vehicles on the road, which increases the risk of serious crashes.
Other Car Accident Risks in Blackfalds
Many railway crossings in the rural area around Blackfalds don’t have traffic arms. There are about ten injury-causing or fatal accidents involving trains in the region every year. Another significant risk involves the area’s winter weather. Over 25% of serious car crashes happen when roads are icy, wet or snowy. Snowstorms can affect your ability to brake or manoeuver, even if you're a good driver.
More Than the Bare Minimum for Liability Coverage
The minimum coverage for car accident liability insurance in Canada is $200,000. This amount may not be enough to protect your assets if you cause a serious crash. Hospital bills for multiple people can add up quickly.
At HUB International, we hope your family never experiences a car accident. At the same time, we want to help you prepare for the unexpected. That’s why we always recommend considering your family’s needs when choosing the right amount of coverage.
Accident Injury Protection
While you may not be able to avoid a crash, you can make sure you have the financial support necessary to receive high-quality medical care. Personal injury insurance can help cover the costs of emergency visits, hospital treatment, surgery, medication, therapy and rehabilitation.
Help With Underinsured and Uninsured Drivers
What other types of Blackfalds auto insurance do you need? One of the essentials is underinsured/uninsured motorist coverage. Put simply, you can’t trust that every driver on the road has sufficient insurance. Some drivers may get behind the wheel without insurance, perhaps even under the influence of alcohol or drugs.
Fortunately, you can take steps to protect your family in this situation. Carrying underinsured/uninsured motorist insurance gives you a financial safety net that can step in to cover your medical care, car repairs and other damages.
Collision Versus Comprehensive Insurance
If you’re not sure about the differences between collision insurance and comprehensive coverage, you’re not alone. Many people have the same question. Compare both options directly.
Driver
Collision insurance covers accidents when you’re driving. Comprehensive insurance applies when your vehicle is parked.
Location
Many collision claims involve sliding off the road or crashing at an intersection. Comprehensive claims generally involve damage in a parking lot or driveway.
Type of Damage
Collision insurance helps to cover vehicle repairs or replacements for single- or multi-car crashes. Comprehensive coverage is for losses related to theft, fires, fallen trees and hail.