We all know that the best way to keep your insurance rates as low as possible is by limiting your exposure to risk. As a driver, it is your responsibility to obey traffic laws, drive with care, and to always remain aware of your surroundings.
For over 35 years now, the experienced brokers at Bow Valley Insurance have provided Canadians with excellent insurance coverage at exceptional rates. By working with national insurers, all of whom are competing for your business, we are able to offer a number of personalized options for your car insurance coverage.
You Are An Insured Motorist, Right?
Car insurance protects everyone on the roads, and accidents happen. As per Alberta law, the minimum coverage for third-party liability required is $200,000., with the option to purchase much higher limits.
Never operate a motor vehicle without carrying valid insurance coverage. It against the law, and can result in huge fines and even – depending on the incidence – incarceration.
If an uninsured driver fails to pay back damages after an accident, they will become subject to Alberta’s Motor Vehicle Accident Claims Program (MVAC), and will be required to pay the government back or face the indefinite suspension of both their drivers licence and vehicle registration privileges.
What To Do After An AccidentDrivers in Alberta are required to report accidents resulting in $2,000 or more of vehicle damage. And if injury or property damage has occurred, call the police as well.
After an accident, breathing deeply will help you regain control. Remaining calm ensures your safety and the safety of others.
As soon as you regain composure, take the following steps after alerting authorities if necessary:
- Switch on your hazard lights
- Exchange information with other drivers involved in the accident including name, address and phone number, driver’s license information, insurance company and policy number
- Also to make sure you have captured all the information from the relevant documents i.e. vehicle registration, drivers license, pink card etc. with your smart phone take pictures of these documents.
- Gather contact information from any witnesses
- Take several photos of the accident to record damages, position of vehicles, skid marks, number plates etc.
- Record the exact location of the accident as well as the weather and road conditions
- Call your insurance company as soon as possible so your claims process can begin
With proper insurance, you will have a claims adjuster immediately assigned to be your primary point of contact after your accident. Their job is to determine fault and settle your claim. Alberta has clear “fault determination rules” that offer consistent guidelines for different, but similar cases.