Car insurance in Dartmouth

Accident benefits coverage comes into play when you get into a collision that results in bodily injury. If you are injured in a car accident, you may require medical attention. Depending on the situation, some of these medical expenses may not be covered by your healthcare policy.

That is where your accident benefits coverage comes in. Accident benefits can pay for medical expenses not covered by health insurance, such as prescription medications or physical therapy. It can also pay for lost income due to injury or funeral fees.

Direct compensation coverage can be claimed if you get into a car accident and your vehicle is damaged. This type of coverage will specifically pay for vehicle repairs so long as you did not cause the accident.

Uninsured automobile coverage protects drivers who get into accidents with other motorists who are uninsured, underinsured, or anonymous. For instance, if you get into a collision with a driver who is driving without car insurance (i.e. illegally) or who flees the scene of the accident, you can file an uninsured automobile claim to help you pay for the costs of the accident.

Collision car coverage can be claimed if you get into a major collision that results in damage to your car. Collision coverage is best claimed when your car suffers extensive damage or is totalled, as this type of coverage can pay to repair or replace your vehicle.

Collision car insurance is usually optional, but it may be obligatory if you lease or finance your car and your leasing company requires you to have it.

Comprehensive car coverage is one of the most popular types of optional coverage that a Dartmouth motorist can buy. This type of coverage provides ample peace of mind as it safeguards drivers against the risks that come from non-collision-related incidents.

Specifically, comprehensive coverage is designed to protect parked cars from loss or damage. As long as the cause of the damage is covered by your policy, you can file a comprehensive claim. The types of damage or risks most commonly covered by comprehensive insurance include theft, vandalism, falling and flying objects, collisions with animals, explosions and riots, fire, and weather-related events.

One more type of optional car insurance coverage popular among drivers in Dartmouth is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage and eligibility vary by province.

A waiver of depreciation is optional coverage that many drivers find worthwhile, especially if they have new cars. With this coverage, your insurance company will issue a payout equal to the value of your car if it is totalled and needs to be replaced. The payout will not account for depreciation, which results in a much larger sum of money than actual cash value coverage, which takes into account depreciation.

Loss of use coverage is one final type of optional coverage that Dartmouth policyholders may be interested in. This type of auto insurance will reimburse policyholders if their car is damaged and they cannot use it while it’s being repaired. Specifically, policyholders will be reimbursed for the cost of taking alternate modes of transit without their car, such as rental cars and taxis.