No matter what kind of car you have, where you live, or how often you drive, it’s vital that you have car insurance in Calgary. HUB International will cover both you and your vehicle with a tailored auto insurance solution, so that you have peace of mind every time you get behind the wheel. Let us help ensure you’re prepared for whatever comes up on the road ahead.

The Essentials

One of the first things to know about auto insurance is that there are several different types of coverage available:

• Personal injury and liability
• Uninsured/Underinsured
• Collision coverage
• Comprehensive coverage

Say that you’re injured in an auto accident. Even if you have standard health insurance, it would still be ideal to have personal injury included on your auto insurance policy. To make the most of this type of coverage, it’s best to have a medical professional examine you even after a minor accident. You never know when you may have sustained a major injury from a small fender bender. The longer you wait to be examined, the more you risk bearing financial responsibility. If you don’t have health insurance, we recommend making the most of personal injury coverage.

If you are deemed at fault for an accident, personal liability will take care of any damages the other driver incurs, be they medical expenses or damages to a vehicle. Personal liability also encompasses funeral expense and death benefits.

If you get into an accident with someone who either doesn’t have enough insurance to cover the cost of damages or doesn’t have any insurance whatsoever, uninsured/underinsured coverage can help make up the difference.

As for collision coverage, you’ll be glad to have it if your car sustains damage in an accident. After you pay your deductible, you can start the repair process to get you back on the road.

Imagine coming out to your car in the morning to discover that it’s been vandalized or damaged by a fallen branch from last night’s storm. Comprehensive coverage takes care of vehicle damage that occurs when you aren’t physically in your vehicle.