Discover Car Insurance in Truro That Fits Your Driving Needs
Truro is a town in Nova Scotia with a broad mix of employment opportunities, attractive scenery, and entertainment. A diverse population of 13,000 people gives this cultural and economic hub a unique flair. The car insurance needs of local families are just as varied, with some drivers commuting to the office every day and others working at industrial sites. Our goal is to help your family find car insurance in Truro that adapts to your circumstances, budget, and local driving conditions.
Truro Car Accidents
Truro and the surrounding region are relatively peaceful, but crashes still happen. In 2022, approximately 5,000 people were injured in car accidents in the region. Serious crashes are three times more likely to happen in urban areas than in rural communities, so it makes sense for your family to have good car insurance in Truro.
There are many contributing factors for local car accidents, and the majority are things you can’t control:
- Intoxicated drivers
- Snow and ice
- Intense storms and poor visibility
- Drivers who are distracted or sleepy
- Speeding vehicles
Car insurance doesn’t prevent crashes from occurring, but it does give you the ability to protect your savings and cover the costs of medical treatment, car repairs, and similar needs.
Other Driving Risks To Consider
When shopping for auto insurance in Truro, consider a few risks local drivers face:
- Higher than average annual rain and snow (1,100 mm)
- Cold and icy weather 40% of the year
- Hail damage
- Moose, deer, and other wildlife on local highways
If your home doesn’t have a garage, you may want to invest in comprehensive coverage in case winter snowstorms cause tree branches to fall on your car. In places where moose are a common sight, investing in extra collision coverage is smart.
Types of Car Insurance in Truro Explained
If you’re not sure what each type of car insurance is for, you’re not alone. We’re happy to explain the differences between mandatory insurance and optional coverage types.
Liability Insurance (Mandatory)
In Nova Scotia, vehicles must carry third-party liability insurance to cover damages to other drivers and passengers in an accident. This coverage also pays for the other person’s vehicle repairs. The basic policy offers $500,000 coverage distributed between liability, accident benefits, uninsured driver, and direct property damage compensation.
Personal Injury Protection (Mandatory)
Accident benefits, or personal injury coverage, helps pay for medical care and other costs related to a car accident:
- Ambulance
- Emergency treatment and necessary surgery
- Ongoing medical care and therapy
- Medication
- Expenses for lost work hours
The law stipulates a basic amount of coverage, but you’re free to increase the policy limit and other terms. The more time you spend on the road — and the higher the cost of local medical care — the more valuable this type of coverage becomes.
Uninsured or Unidentified Motorist (Mandatory)
Not all drivers follow the law when it comes to car insurance in Truro. Individuals with a history of intoxicated driving may not even have a licence. Uninsured motorist coverage steps in when the at-fault driver doesn’t have insurance, helping you with medical expenses or vehicle repairs.
Collision Insurance (Optional)
Even though collision coverage is optional, it’s one of the most common add-ons for policies in Nova Scotia. It helps with vehicle repairs or replacements in single-car and multi-car accidents, including wildlife crashes and weather-related accidents.
Comprehensive (Optional)
This type of coverage applies to damage when your vehicle is parked, such as hail, fallen branches, and vandalism. Theft can also be included.