Car Insurance to Keep You Moving

While it may seem at times as though the events of this year are conspiring to bring many facets of our lives to a screeching halt, life does go on. There is school to attend, work to get done, groceries to buy, and much more. For many of these activities, a car is a necessity.

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Unfortunately, despite being required to have proper car insurance, thousands of Canadian drivers take to the road without. When these drivers are then involved in a vehicular accident, the results can be devastating physically and financially for both the uninsured driver, and sometimes the other involved parties.

Driving without insurance is a serious matter that could have major ramifications. Being at fault in a serious accident when you don’t have insurance could result in you being sued. This in turn could leave you with significant legal fees and perhaps even medical bills that need to be paid. You could find yourself spending several years paying for a single error in judgment. The court may even seize some of your assets to cover the expenses. In the worst cases, such as repeat offences, you will be dealing with even greater fines and potentially some jail time.

Future attempts at obtaining insurance may prove difficult due to violations appearing on your record, and you will be considered more of a risk for insurance companies, resulting in higher premiums or even a denial of coverage.

What does the law require of you in terms of insurance? There are certain minimum requirements, such as:

• Coverage for Accident Benefits
• Automobile coverage for uninsured drivers
• A minimum of $200,000 in liability coverage
• Coverage for property damage

When considering insurance, there are a few things to consider. For example, will your policy cover other drivers who use your vehicle? Is there any effect on your insurance if you are required to drive for your job? Does the policy list a maximum distance you can drive? Some other questions you might ask include:

• Are there any discounts for which you are eligible?
• In the event of an accident, does the policy cover towing?
• How will the car be repaired?
• Does your coverage allow for the use of factory parts?

If you are unsure of what to look for in auto insurance, these are some of the questions you will want to ask. You will also want to take the time to read all the small print to know exactly what the policy covers, and what it does not. Hopefully, you will never need to make use of your insurance following an accident, but that doesn’t mean you can do without.

At AP Insurance, we have the car insurance to keep you moving. We even make things easy for you with the ability to drop off all necessary documents for you to sign so that you can get the insurance you need without even needing to leave your home.

Don’t make the mistake of going without car insurance. It’s just not worth the risk.