Prepare for Winter Snow With Reliable Sussex Car Insurance
Sussex, New Brunswick, is a calm town of 4,400 people and a population density of just 500 people per square kilometer. This gives local families plenty of room to enjoy peaceful surroundings and outdoor excursions. When choosing Sussex car insurance, it’s necessary to keep in mind the area's significant snowfall. Sussex averages over 240 cm of snow every year.
Sussex Snowfall
January is the month with the highest snowfall, approximately 650 mm in just one month. December to March all see significant snow and freezing weather. The town’s average temperature in January is minus 8 degrees Celsius, and the minimum temperature often dips to minus 14 degrees or lower.
Annual Rain
Sussex also gets plenty of rain during the year. From May to November, the monthly precipitation average hovers around 100 cm. The town gets almost 1,000 cm of rain annually. Not only do wet roadways reduce traction, but the poor visibility during heavy storms also makes it harder to avoid crashes.
Choose Dependable Collision Coverage
What type of Sussex car insurance coverage should local drivers prioritize? Liability coverage is a requirement for vehicles in New Brunswick, but owners can decide how much coverage is necessary.
Collision coverage is one of the most important areas to invest in where snow and ice are concerned. This type of insurance helps cover the cost of car repair (or vehicle replacement) after a crash.
Many of these covered accidents involve weather-related situations, such as:
- Single-car impacts with stationary objects
- Accidents that happen because of sliding off the road
- Crashes with wildlife
- Multicar accidents because of slippery road conditions or poor visibility
Collision coverage doesn’t make the risks of winter weather go away, but it helps drivers prepare. Instead of having to handle repairs out of pocket, drivers can rely on insurance to get their vehicles up and running again.
Understand the Benefits of Comprehensive Coverage
Many drivers view comprehensive insurance as a type of “premium” or “luxury” coverage. In reality, it’s a savvy investment for people who live in snowy areas. Comprehensive covers:
- Hail damage
- Weather-related damage
- Fallen trees and tree branches
- Auto fires
- Theft and vandalism
When there’s heavy snowfall, tree branches pose a real risk to vehicles parked outside. Having protection in the event of vehicle break-ins is a welcome bonus.
Keep Winter Injury Risks in Mind
Many families in Sussex also set aside part of their insurance budget for personal injury protection. This valuable type of coverage helps with the driver’s medical expenses after a car accident, including:
- Emergency care and doctor visits
- Surgeries
- Physical therapy
- Medication
- Other recovery needs
Some Sussex car insurance plans also provide coverage for family members who are traveling in the car.
Personal injury protection matters because weather-related crashes often cause significant injuries. Many single-car accidents are head-on collisions — such as driving into a tree or telephone post — that can result in head and neck trauma. Having the funds available for high-quality medical care can make a huge difference in recovery.
Create a Customized Package of Sussex Car Insurance
Do Sussex drivers need underinsured and uninsured motorist protection? It depends on the family’s driving habits. In a small town of just 4,500, the risk of getting into an accident with other cars is lower.
Things are different if drivers have to commute to larger cities for work, however. Some families in Sussex drive 45 to 60 minutes to reach Saint John or Moncton. The more vehicles around, the more important UM/UIM coverage becomes.