Take Good Care of Your Family With Prince County Car Insurance
Prince County is a laid-back part of picturesque Prince Edward Island, with comfortable cities such as Summerside and charming rural areas. About 13,000 families call this region home. Public transportation options are very limited, so owning a vehicle is a must if your family lives in Prince County. Customizing Prince County car insurance is highly recommended because the needs of each family can vary widely depending on how often you drive, what you do for work, and where you travel.
How Does Prince County Compare to Other Areas for Car Accidents?
Prince County has a peaceful atmosphere, and there are no congested highways or rush hour traffic to worry about. That said, car accidents still happen in the region. In 2022, nearly 400 drivers were injured in crashes locally, a higher percentage than in Ontario or British Columbia.
What Causes Car Crashes in Prince County?
Some accidents in Prince County involve collisions between vehicles, but there are many single-car crashes as well. Numerous serious accidents involve vehicles leaving the road. This can happen for several reasons.
Winter Weather
Summer brings a pleasant climate for your family, but winter means cold weather and plenty of snow. Local temperatures can drop as low as minus 21 degrees Celsius. Freezing weather is common during 40% of the year. Icy roads and poor visibility can cause problems for even the best drivers.
Wild Animals
Coyotes, red foxes, raccoons, and other animals live in Prince County. When the local wildlife crosses rural roads or large highways unexpectedly, drivers can get into an accident or run off the road. The risks are even higher in winter.
Drinking and Driving
Alcohol plays a part in many of the serious car crashes in the region. Over 20% of fatal accidents happen because of drivers who are under the influence. Head-on collisions are frequently related to intoxicated drivers.
How Does Prince County Car Insurance Help Your Family?
Car insurance doesn’t have the power to prevent crashes from happening, but it can help you recover afterward. Some types of coverage pay medical expenses.
Personal Injury
Personal injury car insurance covers a variety of medical needs related to automobile accidents:
- Emergency transportation to the hospital
- Medical treatments
- Medication
- Ongoing therapy for recovery
- Other benefits while you recover, such as lost income
You can costumize Prince County car insurance to your family's circumstances. If there are several teen drivers in your house, having good personal injury coverage can give you peace of mind.
Collision
Collision insurance focuses on the costs of repairing your vehicle after an accident or replacing it if the damage is excessive. This type of coverage applies to many car accident situations:
- Colliding with another vehicle on the road
- Running into a parked car, telephone pole, or other stationary object
- Sliding off the road
- Hitting a wild animal
If winter storms are especially intense where your family lives, collision insurance can be one of the best investments you make.
Liability
Liability coverage is designed to pay for damages to other drivers, passengers, and vehicles when you get into a crash. For example, if the other person is seriously injured, your insurance can cover the cost of medical care. That way, you don’t have to pay for everything out of pocket.
Uninsured Motorist
Unfortunately, some people get behind the wheel with a suspended licence or no insurance. If this happens to your family, it’s unfair. Uninsured motorist coverage can help pay for damages in this situation.
Comprehensive
Comprehensive coverage is optional but valuable. It pays for vehicle damages after hail, fallen tree branches, and similar weather-related problems.