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What you need to know about auto insurance quotes
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The benefits of insurance quotes
Choosing good auto insurance coverage is necessary, whether you are a vehicle owner or the renter, for several reasons:
The dangers of driving
Whether you are a good driver or a new driver, the risk of an accident is always there. It doesn’t matter whether the traffic is heavy or smooth-flowing; you can’t control the behavior of other vehicles.
Other risks associated with the vehicle
Besides the risk of an accident that doesn’t depend on you, dangers may be lying in wait even when you’re parked.
- Vehicle theft can take place whether you are at home or parked in a public car park..
- Theft of goods from the vehicle is the alternative for thieves who cannot take your car. This leads to broken windows and the loss of more or less valuable objects.
- Weather hazards can also be dangerous for your vehicle if it is parked outside your home.
- Engine failures or the failure of any other mechanisms in your vehicle may lead to accidents.
All repairs
The consequences of all these hazards and risks are repairs with exorbitant, unforeseen costs. This often involves significant financial difficulties and extended loans, if you do not have good insurance:
- The cost of repairing damage to a third party and their vehicle can be quite high, depending on the severity of the accident.
- The cost of repairing damage to your vehicle will also be your responsibility.
- Hospitalization expenses for in your car at the time of the accident, as well as follow-up in case of disability or at-home treatment.
- The price of objects stolen from the vehicle.
- Costs associated with vehicle breakdowns.
- Legal, police, and administrative information in the event of a lawsuit.
Compulsory car insurance
If all of these risks and expenses still haven’t convinced you to choose auto insurance, the law requires you to do so. You are obliged to take out car insurance, at minimum third party insurance. Since that is the case, it is better to choose it.
Car coverage offered
If you want good insurance that will pay you in the event of any problems, here are the topics that could help you:
- The legislative framework.
- Compulsory civil liability.
- Protection against damage caused by your vehicle.
- Optional endorsements.
The laws governing your options
The car insurance available on the market includes compulsory insurance covering civil liability and related to damage to the insured vehicle:
- Auto insurance is mandatory in Canada. In Quebec, it is used to cover civil liability and material damage caused to or with a vehicle.
- The after-effects are paid by the Société de l ‘assurance automobile du Québec (SAAQ).
- If necessary, you can opt for add-ons called endorsements (customized protection).
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Mandatory protection covers civil liability
Compulsory motor insurance covers:
- Damage caused by a collision that is not the fault of the insured.
- Damages caused by the insured to others.
- Physical and bodily injury caused by an accident outside Québec
Some protections related to damages to the insured car
Several options are available to accommodate your preferences:
Auto collision or payment
This covers the damage sustained by the insured vehicle after collision or car crash.
Accidents without collision or payment
This covers windshield breakage, theft, damage caused by vandalism, fire, water, wind, and hail. This insurance also extends to collisions with people or animals.
All risks
This protection covers auto collision AND accidents without collision or payment.
Specific risks
This protection is limited to risks clearly indicated in the contract.
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Endorsements
These are additional protections that you can add to your basic contract. The main ones are:
- An amendment to compensation which allows you to obtain compensation starting from of the vehicle’s value to times nine.
- Short-term vehicle rental while yours is being repaired.
- The claim on a borrowed or rented vehicle.