Car Insurance for Every Mile You Travel
Although just a few minutes away from the bustling shopping, entertainment and business districts of Toronto, the historic area of Rosedale has a scenic appeal that leaves you feeling far from the city. Surrounded by parkland and stunning ravines, Rosedale residents are never more than a few minutes' drive from an outdoor adventure. Protect your travels throughout the area with Rosedale car insurance from HUB International.
Beat the Traffic Risks With Rosedale Car Insurance
Public transportation buses run throughout Rosedale, and the subway line connects residents to other areas around Toronto and Vaughan. Though these help with traffic, Rosedale roadways are still crowded by the 75% of the area’s workforce that commutes by truck, van or car each day. In particular, the Don Valley Parkway often sees more than 100,000 vehicles a day, much higher than the initial intended capacity of 60,000 per day.
Accident Risks
Dealing with other drivers isn’t the only potential problem of traveling around Rosedale. Accidents can happen due to weather conditions, roadway construction or pedestrian traffic. Adverse weather is a frequent contributor to car accidents in Toronto, with rain, ice, snow, high winds and fog having the most damaging impact on driving conditions. The area around greater Toronto experiences roughly 38,000 accidents each year, with Highway 401 earning the label “Carnage Alley.”
Coverage Opportunities With Rosedale Car Insurance
Your financial well-being is just one reason to purchase comprehensive car insurance. Insurance is a safeguard that helps with the expenses related to theft, injury or property damage if you were to get into a car accident. While covered events vary by policy, there are some standard inclusions with basic coverage.
Liability Coverage
When you are at fault for an accident, your liability coverage will address the damages to the other vehicles and any bodily injuries to the other driver or passengers in their car. Liability coverage also helps with the expense of a lawsuit if the other driver decides to sue you for the accident. There are claim limits to the coverage, and these may not take care of the full amount of the claim or legal settlement.
Collision
Liability coverage alone won't cover the damage done to your car. You would need collision coverage to help with the expenses of your car colliding with another vehicle or object like a tree, fence or building.
Comprehensive
There are some events outside of your control that can cause damage to your car. For protection in situations of vandalism, windshield or glass damage, falling trees or theft, your Rosedale car insurance should include comprehensive coverage.
Underinsured and Uninsured Motorists
You could find yourself in an accident with another motorist who either doesn’t have car insurance or doesn’t carry enough to address your claim. With UM or UIM coverage, you have extra financial support to address your damages.
Personal Injury Protection and Medical Payments
The option with Rosedale car insurance adds coverage to address medical expenses for any injuries you or your passengers receive from an accident. This coverage applies regardless of who is at fault.
Coverage Limitations With Car Insurance
There are some things your car insurance won’t cover. These are exclusions. For example, if you use your vehicle for rideshare or food or delivery services, standard insurance won’t apply if you are in an accident. Talk to one of our VIU by HUB brokers to get the right coverage for those situations and to find out more about exclusions.