Saturday, July 10, 2021

Summertime perils to be aware of when it comes to car insurance

  1. insurance

Potholes, overheating, and bicycling to name a few

Author of the article:

Drive Car on the way to the sunset drive Car on the way to the sunset excursion Photo by Getty

Summer is a time to go out and party – at least in Canada, where the season is short and often overshadowed by construction. But when it comes to the summer season and your auto insurance, there are some dangers to be aware of. Whether it’s natural disasters or changes in the driving environment, here’s what to watch out for in the event of summer hazards Car insurance.

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While it can be relatively out of your control, there are steps you can take to protect yourself – and your car – from these and other warm weather hazards. As the old saying goes, an ounce of prevention is really worth a pound of cure. Keep a close eye on where you park and drive carefully and you shouldn’t have any problems getting through the summer unscathed.

  1. Bad roads increase your travel costs significantly

    Bad roads increase your travel costs significantly

  2. Is water damage covered by car insurance?

    Is water damage covered by car insurance?

thunderstorm

A violent thunderstorm can cause severe hail damage to your car. It may only look like cosmetic damage, but it can actually lead to uncomfortable rust that could eat up your vehicle. While your comprehensive coverage Hail damage, it is best to avoid it in the first place. Ideally, park your vehicle in a covered garage or carport. If this is not possible, a hail-proof car cover is an inexpensive way to protect your vehicle and avoid complaints.

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Falling branches

Thanks to Mother Nature, another threat to your vehicle is falling branches. Like hail, this is one of those things that you have very little control over, but you can choose carefully where to park. If you don’t have a garage or carport, avoid parking directly under tall trees to protect your vehicle. Again, a car cover can help cushion knocks from smaller branches, but it may not protect you from large ones. If a tree falls on your car and you have comprehensive insurance coverage, you should be covered.

flooding

Flooding can damage your vehicle, whether it’s in a flooded area or you drive through a large puddle of water. In the event of flood damage, your fully comprehensive insurance should cover every damage up to the insured amount. If you have decided against full coverage, you are likely to be hooked up for any flood-related repairs. Even if you drive through floods but your insurance provider determines that you had another option, they can deny your claim. In many cases, flooding causes engine damage so severe that it is not worth repairing the vehicle. So if you have the appropriate coverage, the insurance can simply pay you the value of the vehicle so you can buy a replacement vehicle.

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potholes

Potholes cause headaches for many motorists in the summer months. An especially large pothole can seriously damage your wheel, rim, and even suspension system, and cause costly repairs. While your own insurance will likely cover any damage to your bikes caused by driving over a pothole, you may also be eligible for compensation from your municipality if the pothole is a certain size and the city has not repaired it.

Overheating

As much as we applaud the warmer weather, it also increases the likelihood of a vehicle overheating, especially if you’ve been a little careless with your vehicle’s maintenance. It is important to follow your vehicle manufacturer’s service recommendations – especially when it comes to the cooling system – as you will likely have a hard time convincing your insurance provider to cover any damage that is the direct result of your failure to do so. An overheated vehicle can result in engine damage, a stuck engine, and even a fire.

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Cyclist

Better weather inevitably means that more cyclists are on the road. As a driver, you are responsible for paying attention to all types of road users, including cyclists. An average of 74 cyclists are killed every year while riding in Canada. If you hit a cyclist with your car it could lead to a lawsuit. Here are you Liability insurance (which is mandatory in provinces like Ontario and Alberta) would go into effect. That said, you might very well see your tariffs go up on renewal if it turns out to be you at fault.

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