Auto insurance is a contract between you and your insurance company that is designed to protect you against financial loss in the event of an accident or theft. In exchange for you paying a monthly or yearly premium, your insurance company agrees to pay your losses as outlined in your policy.
While cars are a convenient mode of transportation, driving can be dangerous. Even if you have years of driving experience, obey all the traffic laws, and keep on top of your car maintenance, another driver, cyclist, pedestrian, severe weather, or other natural event could still cause an accident that involves you and your family. It is also important to note that, in BC, you are not authorized to drive a car if you do not have ICBC insurance. While insurance payments may seem costly, the monetary penalties of driving without it could add up to thousands of dollars.
There is a wide range of autoplan insurance coverage options, including:
This covers you in the event that you are in a car accident that is determined to be a result of your actions. Liability insurance will cover the cost of repairing any property damaged by an accident, as well as the medical bills from resulting injuries.
If you are involved in an accident with another vehicle, or if you hit an object (fence, lamp post, etc.), collision coverage may help pay for the repair or replacement of your car (up to its market value) after you pay your deductible toward a coverage claim.
This may help cover damage to your car from things such as theft, fire, natural disasters, or vandalism, which can help pay for necessary repairs or the replacement of your vehicle (up to the market value).
With this coverage, your medical bills from after an accident, along with those of your passengers will be paid, no matter who is at fault for the accident.
If you are hit by a driver who does not have insurance or their liability limits are not enough to cover your resulting medical bills, this type of ICBC insurance can help pay your medical bills and for repairs to your car.
Mountainview Insurance in Abbotsford offers a wide range of ICBC insurance coverage and private car insurance. If you are looking to purchase auto insurance, please stop by our Abbotsford office, or contact us at 604-557-0255 or by filling out a contact form on our website. Our professional team of car insurance experts will be more than happy to help you figure out which car insurance policies will work best for your specific needs.
We’re ready to understand your insurance needs and to work for you to get the coverage you need.