Having Room to Zoom in Sudbury
At over 160,000 residents, the word “large” might not come to mind when thinking of Sudbury. Although it is the largest city in population in Northern Ontario, Sudbury has the distinction of being the largest city by area in the entire province.
At a whopping 3,229 square kilometers (or 1,247 square miles), this city is much larger than some of the nation’s most populous cities, such as Toronto and Montreal. Officially reincorporated in 2001 as Greater Sudbury, this area includes an urban core, several previously unincorporated townships and over 300 lakes, earning it the nickname “City of Lakes.”
With such a large area, there’s much ground to cover in Sudbury. There’s also quite a bit going on in this area, which was originally named for the Sudbury area in Suffolk, England. It should come as little surprise that the City of Lakes is home to Lake Wanapitei, the largest lake in the world located within a single city limit.
Exploring many of the area’s natural features is something that locals and visitors get to do for much of the year, especially during the humid, hot summers. The Sudbury Trail Plan cultivates nearly 750 miles of trail for outdoor exploration in the snowy winters.
Lovers of arts, culture and sports can get more than their fill of entertainment in Greater Sudbury. The Art Gallery of Sudbury and La Galerie du Nouvel-Ontario feature works by Canadian artists, especially those from Northern Ontario. Sudbury culture is largely Francophone, evident in its annual schedule of film and art festivals. Science North is a museum that stands as the region’s most popular, attracting nearly 300,000 visitors annually.
Locals can also take part in games in football (soccer), ice hockey and basketball among other sports. Seeing it all means you need a vehicle, and having a vehicle requires Sudbury car insurance.
Knowing Your Responsibility
Ontario requires residents to have car insurance. Operating a vehicle without coverage comes with stiff penalties, including license suspension, vehicle impoundment or several thousands of dollars in fines. Having Sudbury car insurance isn’t just about following the law.
Auto insurance is how you prove that you can cover costs associated with an automobile accident. You likely don’t have enough cash to pay for the resulting damages and injuries, so you’ll want a Sudbury car insurance plan that meets these requirements:
- Third-party Liability: Ontario requires drivers to have a minimum of $200,000 in coverage for any injuries, damages or deaths that result from an accident.
- Statutory Accident Benefits: This coverage can be used for supplemental medical care and other expenses. It provides up to 70% of your weekly income or $400, whichever is less.
- Uninsured Vehicle: If you’re in a hit-and-run accident or with someone who is uninsured, this coverage covers your damages and losses.
- Direct Compensation – Property Damage: Known as DC-PD, this is beneficial for losses when another motorist is responsible for the accident.
When it comes to Sudbury car insurance, you should strongly consider a plan that goes above and beyond minimum requirements. Many drivers opt for coverages that go up to $2,000,000 to fully cover any expenses or claims that arise from a particular incident.
When looking for a plan, think carefully about was coverages you'll need for you and others that would be named on your policy. While the law is intended to cover the basics, factors such as cost-to-replace, extensive bills and lost income should be considered for your Sudbury car insurance plan.