Protect Yourself With Northumberland Strait Car Insurance
The Northumberland Strait is the body of water that separates Nova Scotia from Prince Edward Island. The area of Nova Scotia that borders the Strait, also called the Northumberland Shore, consists of about a dozen cities and towns with a combined population of over 38,500. It is known for having more warm-water beaches than any other region in Canada, and it is quickly becoming a notable culinary destination with choices such as the 5-star sustainable seafood restaurant at Fox Harb’r Resort.
Scenic Route 6, otherwise known as the Sunrise Trail, runs about 338 kilometres from Amherst to Auld’s Cove and is a popular summer tourist destination. With events such as the Pictou Lobster Carnival and the Nova Scotia Summer Fest in Antigonish, the Northumberland Shore receives about 2.1 million visitors annually. There can be a lot of tourist traffic on the local roads, especially during the summer, so count on HUB International for Northumberland Strait car insurance to protect your vehicle and your finances.
Northumberland Strait Car Insurance
Driving without Northumberland Strait car insurance is illegal and has serious repercussions. Nova Scotia can impose a minimum fine of $2,000, suspend your licence, and impound your vehicle. Plus, your insurance company will likely raise your premiums, and multiple violations could lead to criminal charges.
Mandatory Coverage
Nova Scotia requires you to have the following mandatory coverages in your Northumberland Strait car insurance policy:
- Third-Party Liability: This covers damages or injuries you cause to others in an accident where you are at fault. The minimum coverage in Nova Scotia is $500,000, although most providers recommend higher limits.
- Accident Benefits: These benefits cover you and your passengers in case of injury or death. This per-person coverage includes $50,000 for medical and rehabilitation, $2,500 for funeral expenses, $5,000 to $25,000 for death benefits, and $250 per week or 80% of one’s gross weekly income for wage loss due to injury.
- Uninsured/Unidentified Automobile Coverage: This coverage protects you if you are in an accident caused by a driver without insurance or a hit-and-run. The minimum coverage required is $500,000.
- Direct Compensation Property Damage (DCPD): DCPD covers damage to your vehicle and its contents in the event of an accident caused by another. Your standard Northumberland Strait car insurance policy automatically includes this benefit.
In order to speed up compensation for medical services and property damage, your Accident Benefits and DCPD are no-fault coverages. This means that your insurance company will pay you regardless of who caused the accident. However, Third-Party Liability and Uninsured/Unidentified Automobile Coverage operate on a tort system, which means you need to prove that the other party was at fault to receive compensation.
Optional Coverage
There are also a number of optional coverages for Northumberland Strait car insurance, including:
- Collision: This coverage compensates you for damage to your vehicle in an accident (regardless of fault) or collision with an object. You should understand that agents may require this coverage if you finance or lease your vehicle.
- Specified Perils: This covers specific perils listed in your policy. Perils are accidental and unexpected, and examples include theft, storm damage, fires, and explosions.
- Comprehensive: These benefits compensate you for non-collision damage, such as those sustained during a Nor-easter or as a result of vandalism.
- All Perils: All Perils is a blanket type of coverage and will cover any type of loss except for those listed specifically in your policy. Typical exclusions might include intentional damage, normal wear and tear, and certain human-made or natural disasters.
Although Nova Scotia does not require these coverages, obtaining them can prevent extensive out-of-pocket property repair or replacement.