What Are the Advantages of Auto Insurance Coverage Options in Taber?
Taber, Alberta, is a town of approximately 8,700 people. This relatively tranquil location is surrounded by natural resources, making it attractive to oil and gas processing companies and agricultural businesses. You could think that Taber auto insurance isn’t necessary in such a peaceful area, but statistics say otherwise. In Alberta, the majority of fatal car crashes happen in rural areas.
Why Do You Need Auto Insurance in Taber?
The presence of farming machinery, semi-trucks, tankers and similar vehicles can make highway trips more dangerous for Taber residents. These heavy vehicles can cause significant damage in an accident. In forested areas, it’s not easy to predict when industrial vehicles are going to pull onto the road, and drivers may not see your car until it’s too late.
Winter weather is another reason that car insurance makes a difference. Temperatures in Taber during the winter months can drop as low as -35 C. Some months see almost 30 cm of snowfall. Snowstorms and icy roads can contribute to serious car crashes, especially in wooded areas.
What Are the Main Types of Taber Auto Insurance?
There are five main categories of car insurance:
- Personal injury coverage: To cover the costs of medical care, recovery, medications and other health care costs related to your accident
- Liability insurance: To help you cover damages to other drivers and vehicles when you’re at fault in an accident
- Collision coverage: To help you repair or replace your vehicle after an accident
- Comprehensive auto insurance: To cover damages when you’re not driving, such as theft, fires or fallen trees
- Uninsured or underinsured motorist insurance: To help with your medical or vehicle repair costs when the other driver doesn’t have sufficient insurance
Your family’s needs and circumstances are unique, so you may find that a combination of insurance types and amounts provides the coverage you want.
Why Is Underinsured or Uninsured Motorist Coverage Important?
The mandatory liability insurance coverage that other drivers need to carry is $200,000 in Alberta. Depending on the gravity of the injuries and the number of injured people in the accident, $200,000 of coverage may not go far.
What if the other driver doesn’t have car insurance or doesn’t have enough coverage? Normally, you would have to cover the remaining medical expenses out of pocket. With underinsured or uninsured motorist insurance, your policy covers the difference instead.
When Should You Get Comprehensive Coverage?
Comprehensive coverage isn’t “extra” insurance. It fills an important need in Taber, especially if you’re concerned about theft, fire or storm damage. Parking outdoors increases the risk of fallen tree branches, ice and hail damage, but theft and fires can happen unexpectedly to anyone.
How Does Collision Insurance Help You?
Many accidents in rural areas are single-car crashes. In winter months, icy roads can cause you to accidentally hit a tree or post. In the case of accidents involving other drivers, having collision insurance can also speed up your vehicle repairs. You don’t have to waste time going back and forth with the other driver’s insurance.