Find the Right Car Insurance in Shediac for Your Family
Shediac, New Brunswick, is a cozy area with a population of just over 7,000 people. This popular Canadian vacation destination sits on Shediac Bay, overlooking picturesque Shediac Island. Some 300,000 people visit the city’s attractions each year, including warm Parlee Beach. Residents need to consider this significant influx of visitors and families on holiday when choosing car insurance in Shediac.
Car Accident Statistics for Shediac, New Brunswick
Despite how laid-back and peaceful Shediac is normally, the area has its fair share of accidents. In 2019, there were about 350 injuries from car crashes in the region. Accidents happen locally for several reasons, from storms to tiredness. The majority of crashes occur over the weekend.
Shediac Weather
During the summer, Shediac sees near-perfect temperatures of 19 degrees to 24 degrees Celsius on average. During the winter, the average climate is much less friendly to drivers. The daily average temperature in December and January can drop as low as minus 12 degrees.
Freezing temperatures increase the risk of single-car and multi-car collisions. Vehicles can slide off the road because of heavy snow and ice.
Excellent Options for Car Insurance in Shediac
Every family in Shediac needs good car insurance. The type of auto insurance coverage you should choose depends on the risks your family may face on the road.
Collision Insurance
This type of coverage provides insurance protection for your vehicle. If you get into an accident, the policy helps you pay for repairs or replacements.
It’s important to know that collision coverage doesn’t just apply to crashes with other vehicles. It also helps in single-car accidents, such as:
- Sliding off icy roads into a ditch
- Hitting deer or moose
- Running into a tree or light post
- Crashing into a parked vehicle
In a place such as Shediac with so much annual snowfall, investing in collision coverage makes sense. Being so close to Shediac Bay, winter storms can appear quickly and unexpectedly, catching even the best drivers off guard.
Personal Liability Coverage
Your family also needs to protect its finances. Considering how many visitors from outside the province come to Shediac and Parlee Beach, car accidents can get expensive. If you cause a crash with a costly vehicle, you may be on the hook for significant repair bills. Investing in plenty of personal liability car insurance matters. This type of coverage also helps you pay for injuries to other drivers or passengers.
Personal Injury Protection
You also need to consider your health and the medical care of family members in the vehicle with you. Personal injury car insurance in Shediac doesn’t prevent injuries from happening, but it does help you pay for medical care costs afterward. Having the funds to recover after a crash with wildlife or other vehicles can change your life.
Uninsured or Underinsured Motorist Accident Coverage
It’s impossible to predict the circumstances of other drivers on the road. You can’t rely on their insurance policy to compensate you in the event of a crash. With UM and UIM coverage, you receive valuable assistance with repair costs or medical expenses.
Comprehensive Coverage
What if your car gets damaged when you’re not even driving it? For example, ice can weigh down trees and make a heavy branch fall on your car. Hail damage is another possibility in Shediac. In these circumstances, you can turn to your comprehensive coverage to handle repair costs.