Protection Through Halifax Car Insurance
Halifax, Nova Scotia, is a city alive with history, making it a tourist attraction on many bucket lists. With added traffic comes added accidents. In 2021, 739 car accidents resulted in 15 deaths. The following year, 787 collisions resulted in 11 deaths. If you're headed out on the road, review your policy for car insurance in Halifax first.
Most tourists who visit Halifax are there during the summer months, and while that makes the roads busier, winter still contributes to risky driving. Snow begins in mid-November and falls through the end of April, with freezing temperatures accompanying the snow. Roads become slick and vision is limited with snowfall, snowdrifts and darker days.
Another reason to review your insurance policy is crime. In 2018, 229 cars were stolen in Halifax. By 2022, the number had risen to 357. If your car isn't stolen, it may get vandalized, leaving you with the need for a way to pay for repairs.
Minimum Requirements for Car Insurance in Halifax
The laws in Halifax dictate the minimum amount of car insurance every driver must carry. You can work with your insurer to purchase more protection, but the minimum must be attained before you can set out on the road. This includes:
- Uninsured and unidentified driver
- Disability income or death
- $500,000 in liability
- $2,500 in funeral benefits
- $50,000 for medical payments
Fault is not an issue in Halifax. If you are in any accident, you can file a claim with your insurance provider.
Additional Types of Halifax Car Insurance
Beyond the minimum requirement for car insurance in Halifax, many drivers choose additional coverage. Your insurer will determine the rate based on your driving record, additional drivers, the coverage you choose, the type of vehicle you drive and various other factors. At HUB International, we can help you determine which policy will be best for your circumstances.
Collision Insurance
This optional coverage pays for the damages done to your vehicle if you are involved in any type of collision. This could include a collision with another car or one in which you hit a tree or a fence. You can use this protection if you are hit by an unidentified driver as well.
Comprehensive Insurance
This type of insurance covers the cost of risks not associated with collisions. Vandalism, damage from an attempted burglary and theft are included in this. Damage from a flood, hail and other weather-related incidents are also included.
Specified Perils
To receive coverage for certain risks, you must specifically mention them in the policy. Some of the perils you may want to include are earthquakes, explosions, tow truck damage, fire, riots and other similar scenarios. Some of these perils are in addition to comprehensive coverage and others might replace comprehensive.
Roadside Assistance
Most roadside emergencies are covered with this type of insurance. Getting a flat tire, running out of gas, a dead battery and similar issues typically qualify for assistance.
All Perils
Putting comprehensive and collision together, all perils are covered with this type of policy. Additional coverage is also included for the chance of theft by an employee or a member of your household.