Kia Soul Car Insurance

Accident benefits coverage is another type of mandatory coverage in Canada for all provinces except Newfoundland. It protects the policyholder if they, a passenger, or a pedestrian requires medical attention following a collision. Regardless of which party is at fault for the accident, the policyholder can still receive compensation to pay for medical expenses under the accident benefits portion of their policy.

Uninsured motorist insurance is a policy included in Kia car insurance that protects policyholders in the event they are involved in a collision with an at-fault driver who is either uninsured or underinsured, ensuring they are fairly compensated for their damages. This Kia insurance also protects them if they are hit by a hit-and-run driver.

Direct compensation - property damage is mandatory in many provinces,, while optional coverage in other provinces. The purpose of this Kia insurance policy is to ensure you're swiftly compensated following a collision with an at-fault driver by allowing you to deal directly with your insurance company, rather than the other drivers.

Comprehensive coverage offers financial protection against specified perils, such as theft, vandalism, fire, water damage, and more. Many Kia Soul drivers choose to include comprehensive coverage in their policies for the peace of mind it brings. Note that before your comprehensive car coverage kicks into place, you'll need to pay a deductible to your insurance company.

Collision car coverage is similar to comprehensive coverage in the sense that it also covers damage to your vehicle. However, the main difference between these two policies is that while comprehensive coverage covers damages caused during non-collision events, collision coverage will cover repair costs associated with damages that occur as a result of an at-fault collision. Again, you will need to pay a deductible to your insurance company before this policy kicks in and covers the remaining costs.

One more type of optional car insurance coverage that might be available to Kia Soul 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.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.