Accident Protection in Rain, Snow or Sunshine
Despite being a thriving city of 40,000 on the edge of Lake Ontario, Bowmanville has a small-town feel. This laidback atmosphere can trick you into thinking car accidents aren’t something you have to worry about, but the statistics say otherwise. In just 2019, there were almost 10,000 crashes in the Durham area, about 1,700 causing serious injuries and 24 causing fatalities. To protect your health, your family and your finances, you need auto insurance in Bowmanville, ON.
Of course, accidents don’t just happen close to home. A car crash can happen on vacation or on your way to work. In Ontario overall, over 33,000 car accidents cause personal injuries, and over 187,000 car accidents cause property damage. At HUB International, we provide flexible insurance coverage for your vehicle whether you’re running errands or visiting relatives.
Is the Weather Responsible for Most Car Accidents in Bowmanville?
Living so close to Lake Ontario, you may think that car crashes are mainly caused by bad weather, but that’s not the case. In Ontario, car accidents can occur any time of year:
- About 80% of car accidents happen with clear visibility.
- Roughly 70% of accidents happen on dry roads.
- Snow, rain, ice and slush only contribute to accidents about 25% of the time.
Instead of the weather, many crashes involve other drivers. Habits such as checking text messages while driving are dangerous. Speeding also causes many accidents in Canada.
Is Your Vehicle Protected in Case of a Car Accident?
You can’t predict an accident by looking at the weather report. Fortunately, when you have comprehensive auto insurance in Bowmanville, ON, you don’t need to.
Personal Injury and Personal Liability Insurance
Even when the other driver is at fault, filing an insurance claim with the other company can take a long time. With personal injury insurance, you can get the medical care you require right away.
Personal liability insurance is for situations where you are at fault (partially or completely) for the accident. You can protect your finances and let the insurance cover medical costs and other damages for other drivers and/or passengers.
Collision Insurance
As the name suggests, collision insurance can cover repairs or replacements for your vehicle after a collision. If someone backs into your car at the mall, or you get in a car accident on the road, you can breathe easily with collision coverage.
Comprehensive Auto Insurance in Bowmanville, ON
This type of insurance plan can cover damage to your vehicle when you’re not inside your vehicle:
- Tree branches that fall on your car
- Hail or storm damage
- Vandalism
- Theft of vehicle parts
Whether you’re hard at work in your office or buying groceries at the store, comprehensive coverage gives you peace of mind.
Uninsured or Underinsured Motorist Coverage
Sadly, other drivers don’t always follow the law. Some people drive intoxicated or with a suspended license. Others get behind the wheel without any insurance or with minimal coverage.
We hope this never happens to you, but if it does, having uninsured/underinsured motorist coverage can completely change the outcome for your family. With this type of insurance, you can get assistance with medical bills, vehicle repairs and other things that the driver’s insurance should have covered.
Are You Looking for a Helping Hand With Auto Insurance in Bowmanville, ON?
Our team has a great reputation in Bowmanville because we’re more than insurance agents. We’re friendly professionals who are happy to answer your questions. We listen to your needs, including your budget, and help you find the right fit.