Car Insurance in Red Deer

If you’re in an accident with an uninsured driver in Red Deer, you’ll be covered if you have Family Protection on your car insurance policy. You may also have coverage if you have collision and comprehensive protection on your vehicle.

Otherwise, you would go through Alberta’s Motor Vehicle Accident Claims Program.

Yes, fault matters in car accidents in Red Deer as fault determines which driver’s insurance company pays for injuries or damage. Fault isn’t always assigned 100% to one driver.

Your coverage will depend on your insurance company. Often, your contents are not covered under your car insurance policy. You’re required to have comprehensive coverage to protect yourself if your car is stolen. Call your insurer and the police if your car is stolen.

Everyone who owns a vehicle needs car insurance in Red Deer. As a driver, you’re legally required to carry third-party liability and accidents benefits coverage.

The insurance industry follows the all-comers rule in Alberta, meaning you can’t be denied the bare minimum level of car insurance. But an insurer can choose to deny you optional coverage, if you have a serious traffic conviction(s) or a history of non-payment.

The all-comers rule requires insurance companies operating in Alberta to insure any driver for the legally required minimum level of coverage.

Grid rating is how insurance companies determine car insurance rates for Red Deer drivers based on their driving record.

No, photo radar tickets don’t affect your car insurance rate in Red Deer.

Yes, speeding tickets affect your car insurance rates in Red Deer. Your insurance rates will go up if you get a speeding ticket (unless it’s a photo radar ticket). If it’s your first ticket, an insurance company may excuse the ticket for good behavior.

Your car insurance coverage depends on the insurance options you select when you set up your policy. Mandatory third-party liability and accidents benefits coverage will help cover damage and medical expenses of other drivers and passengers involved in an accident where you’re at-fault. Mandatory coverage can also cover legal expenses if you’re sued after an accident.

No, men and woman pay very similar insurance rates in Red Deer, as in all of Alberta. There are many elements that impact your premium, so rates differ from one person to the next.

Replacement cost is a loss settlement option where you receive the replacement cost of your vehicle, if it’s a write-off after a loss. The replacement cost is the price to buy the same or similar car.

Actual cash value is a loss settlement option where you’ll receive the market value or purchase price of your car, minus the depreciation, if it’s a write-off after an accident. It’s the price you’d get if you had sold your auto as-is right before the claim.

Yes, your Red Deer car insurance should cover you in the U.S. Inform your insurance company that you’re driving south of the border. Some insurers require you to tell them you’re in the U.S. or may have a limit on the number of days you can travel there and be covered.

Yes, your vehicle must be registered in Alberta to get car insurance in Red Deer.