Car insurance in Perth

Accident benefits coverage is for when an accident results in bodily injury. If you or a passenger or pedestrian involved in the accident requires medical attention, including rehabilitative care, accident benefits can cover the cost. Examples of types of medical expenses that accident benefits insurance may cover include prescription medications, physical therapy, lost income, and funeral fees.

Uninsured automobile coverage is also required in Perth. It is designed to protect drivers who are involved in an accident with another motorist who does not have car insurance, does not have sufficient car insurance, or who is anonymous because they illegally fled the scene of the accident. Uninsured automobile coverage may pay for medical fees, repair bills, and more.

With direct compensation coverage, you can file a claim directly with your provider and receive a payout to cover the cost of vehicle repairs if your car is damaged in a collision. Please note that you must not have been at fault for the accident to be eligible for direct compensation coverage.

Collision car coverage can protect you if your car suffers extensive damage in a car accident and needs to be repaired or replaced. Whether you caused the accident or not, and whether the accident was with another car, an animal, or an object on the road, collision coverage can be claimed. Make sure that the coverage limit you choose reflects the value of your car.

Comprehensive car coverage is a second type of auto insurance coverage that many Perth drivers like to purchase. This is one of the few types of coverage that protects against non-collision-related circumstances. Examples of circumstances that comprehensive insurance covers are vehicle theft, a car being damaged in a fire, or a falling tree branch.

Comprehensive coverage offers financial security should a loss or damage occur to your car that is caused by an insured peril. Insured perils vary but usually include theft, vandalism, falling and flying objects, explosions and riots, fire, and weather-related incidents.

One more type of optional car insurance coverage popular among drivers in Perth 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 recommended for Perth drivers who drive brand-new cars. This type of coverage will translate to a much larger insurance payout if your new car is severely damaged and needs to be replaced.

Otherwise, standard car insurance policies in Perth feature actual cash value coverage, which accounts for depreciation and will result in a much smaller insurance payout.

Loss of use coverage can also be important for Perth drivers. It provides both convenience and financial security, as, with this type of coverage, you can be reimbursed for the cost of getting around while your car is unusable.

For example, if your car is damaged in an accident and needs to go into the shop for a week to be repaired, loss of use coverage will pay for you to take ride-shares or rent a car until your vehicle is up and running again.