Find the Right Balance of Auto Insurance for Your Family
Strathcona County, AB, has a vibrant urban and rural population of 100,000 people. The central city of Sherwood Park is only 20 minutes from Edmonton, and several key roads run through the county, including Highway 16. Some of these heavily travelled roadways have also been the site of multi-vehicle collisions. Having trustworthy auto insurance in Strathcona County is a must for every family.
Potential Road Dangers and Risks
Many local workers commute. Over 25,000 Strathcona County residents spend from 15 to 60 minutes driving to their jobs every workday. The large petroleum, manufacturing, transportation and agricultural industries in this region mean that drivers have to share the road with trucks, semis, trailers and heavy vehicles.
In 2020, there were roughly 1,400 crashes in Strathcona County. Many of these happened at intersections or on major highways. Almost 200 accidents involved collisions with animals. Winter weather was also a contributing factor, with the most collisions happening between November and February.
The Benefits of Auto Insurance in Strathcona County
Some level of auto insurance is a requirement for all drivers in Strathcona County, but going beyond the basic coverage can provide important advantages for your family.
Medical Care
Car insurance can cover your hospital expenses after accidents, helping you get the high-quality care you need and deserve. It’s even possible for surgery to save your life after a car crash.
Rehabilitation
If a serious crash causes a life-changing incident, insurance can help you pay for ongoing therapy. That way, you can recover as quickly as possible. Rehabilitation can also improve your quality of life.
Vehicle Repairs
Even when accidents only cause damage to your vehicle, they can still disrupt your work and family obligations. Commuting is difficult when your primary vehicle is out of commission. Collision coverage can help you repair or replace the damaged vehicle ASAP.
Peace of Mind
If other members of your family drive frequently, it’s normal to want good insurance protection. When you’ve done all you can to provide coverage in case of unexpected injuries or crashes, you can sleep easier at night.
Types of Auto Insurance in Strathcona County
At HUB International, we provide a wide range of auto insurance options for Strathcona County. We can help you select the type and level of coverage that fits the needs of your family.
Liability Insurance
Liability coverage is mandatory in Alberta (at least $200,000). It covers damages to other drivers if you’re fully or partially at fault for an accident.
Personal Injury Insurance
Personal injury coverage can help you, family members and some passengers pay for medical care after a car crash. Instead of having to spend time arguing with the other driver’s insurance company, you can focus on your recovery.
Collision Insurance
Some car accidents in Strathcona County involve sliding off the road, crashing into trees or colliding with deer. Collision coverage can help you repair or replace your car quickly. This type of coverage can also help you with repair costs if you were partly responsible for a crash with another driver.
Underinsured or Uninsured Motorist Insurance
The rising costs of health care mean that the other driver’s insurance policy limits may not completely cover your medical treatment in a crash. Underinsured motorist coverage can meet you halfway and pay for the difference.
Comprehensive Vehicle Coverage
Sometimes, you need insurance for vehicle damage that happens when you’re not driving. For example, a winter blizzard could cause a tree branch to fall on your car. Storm-related damage is a real concern in Canada, especially if you generally park outdoors.