Car Insurance in Edson

Accident benefits coverage is also mandatory for Alberta drivers. This policy will cover the cost of medical bills and medications you, your passengers, or pedestrians require following a collision, regardless of who is at fault.

This coverage applies when you are involved in an accident that is not your fault. For example, if another vehicle hits you, your insurance company will manage the repairs or replacement of your vehicle and its contents rather than the other driver's insurance. Ultimately, direct compensation for property damage ensures your claims process is as swift and stress-free as possible. 

Collision car coverage is here to protect you if you are at fault for a collision that damages your car. For example, you accidentally sideswipe a car as you're trying to change lanes, which causes damage to the right side of your vehicle. In this case, you'd be able to file a claim with your insurance company to have the repairs covered once you have paid your deductible amount.

Comprehensive car coverage covers vehicle repairs and replacements if your car is damaged due to non-collision perils. Examples of covered perils included in this policy are theft, vandalism, severe weather, fire damage, and falling objects. Note that to file a claim under this policy, you will be responsible for paying a deductible to your insurance company beforehand.

One more type of optional car insurance coverage popular among Edson, AB drivers 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 to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.

A waiver of depreciation is a rider or endorsement that can be added to a car insurance plan for extra protection in the event that your car is totalled and needs to be replaced. If you get into an accident and the insurance company deems your car a write-off, you will receive a much larger payout if you have a waiver of depreciation. Note: This coverage is based on specific criteria that must be met in order to purchase this coverage, eligibility may vary by insurer.

Last but not least, loss of use coverage can alleviate the financial burden of being without your car temporarily if it is damaged in an accident and needs to be repaired. We understand how difficult it can be to get around while your vehicle is laid up. While in the shop, loss of use coverage can pay for you to take alternate modes of transit, such as public transportation, rental cars, or even taxis and ride shares.

Uninsured motorist insurance will cover the cost of repairs or replacements your vehicle needs if you're involved in a collision with an at-fault driver who is uninsured or underinsured. This auto insurance also covers you if you are hit by a hit-and-run driver.