5 Times When You’re More Likely to Get in a Car Accident

Accidents, collisions, and fender-benders. No matter what you call them, they happen a lot and could affect your auto insurance rate. In Canada, about 335 police-reported collisions happen a day, and while you should always take care when behind the wheel, there are times, or conditions when collisions are more likely to happen.

1. Summer months

Most drivers might think that they’re more likely to get into a collision when conditions are wintery, but the reality is there are more collisions in July than any other month, followed by October and August.

2. Frantic Fridays

Maybe it’s because we’re all in a rush to get home to kick off our weekend, but for many, our, weekends start off on the wrong foot. Almost 17 per cent of all police-reported collisions in Canada happen on Fridays; no other day comes close.

3. The evening rush

Hands down, the evening rush hour (starting at 3 p.m. and ending at 6 p.m.) has the most collisions. This three hour period of the day accounts for 25 per cent of all collisions that happen over the course of the day.

4. Intersections are tricky

Intersections, even with working traffic signals, controls, or signs, prove tricky for drivers because half of all collisions happen at an intersection.

5. Sunny days make drivers gloomy

At 70 per cent, collisions are overwhelmingly more likely to happen on days that are clear and sunny, compared to days when it’s raining, snowing or when visibility is limited due to fog or drifting snow.

Car collisions and your car insurance

Take care, stay safe, and drive carefully to keep your car insurance premiums in check because a collision where you are at fault (even if it is only partially at fault) can be costly. An at-fault collision can increase your premiums as much as 50 per cent. Don’t let an at-fault accident increase your rates. Drive safe and avoid driver distractions to keep your premiums low.

How Many Cars Can Be Insured on the Same Policy?

Is there a limit to the number of cars that can be insured under the same policy? How many vehicles can you cover under one policy? Today, we’re answering all your questions about multi-car insurance policies – including how to save money on a multi-car insurance policy.

Multi-Car Insurance Is an Easy Way to Save Money

If you live in a household with multiple vehicles, then it’s in your best interest to insure your cars under one policy (unless, of course, your spouse has a DUI or some other major incident that would cause insurance rates to rise).

That’s why multi-vehicle insurance policies exist. Multi-car insurance policies are built for households with two or more passenger vehicles. These vehicles are covered under a single policy. You pay less than you would if you insured each car individually, and you save even more money by bundling vehicle insurance with your home insurance or life insurance.

The benefits of a multi-car insurance policy are obvious. However, there are certain requirements to qualify for a multi-car insurance policy.

Requirements for a Multi-Car Policy

There’s one obvious requirement for qualifying for a multi-car insurance policy: you need to insure two or more passenger vehicles on the same car insurance policy.

To do that, you’ll need all of the usual information – like the VIN and lienholder information (if applicable) for any vehicles, as well as the driver’s license numbers for all drivers. The information required for a multi-car policy is no different from a single-car policy, aside from the fact that you’re listing multiple vehicles.

Is There a Limit to the Number of Vehicles Under One Policy?

Insurance companies almost always have a limit to the number of cars you can cover under a single insurance policy.

Typically, insurers allow you to cover a maximum of four of five vehicles under a single policy.

Other Restrictions with Multi-Car Insurance Policies

There are certain other restrictions you may need to know about with multi-car insurance policies. Some companies offer a discount only if the insured cars are in the same household and insured by related parties. If you’re living with unrelated roommates, for example, then you may not qualify for a multi-car insurance policy.

Other insurers, however, only require everyone to live at the same address, and they don’t care whether or not you’re related.

Another important thing to note is that you could qualify for a multi-car insurance discount in the middle of your term. Some people instinctively wait for the end of their term to add a new vehicle, when they could be taking advantage of the discount immediately.

Does the Coverage for Each Vehicle Need to Be Identical?

This is where things get a little tricky. Typically, insurance companies require all vehicles under a multi-vehicle policy to have the same amount of liability insurance and uninsured motorist coverage. This is done to ensure there’s no confusion regarding how much liability coverage each vehicle has.

In other words, if you have a liability limit of 100/300/50 on your first vehicle, then you need to have those same limits on your second vehicle.

This isn’t just your insurance company being nitpicky: state laws often require liability limits to be the same for all vehicles under a single policy.

Policyholders, however, are free to adjust collision coverage and comprehensive coverage between vehicles. You might want full coverage on your brand new SUV, for example, while getting rid of collision and comprehensive coverage on your 10+-year-old vehicle.

You can also add, remove, or adjust add-ons however you like – including things like rental car reimbursement or custom car coverage. You’re totally free to add this to certain vehicles under your policy but not others.

There’s one important thing to remember with all this: the insurance company insures your vehicle, not the driver. If your primary vehicle has full coverage, but your secondary vehicle has no collision or comprehensive coverage, then that doesn’t change when someone else drives it.

You Can’t Insure Cars and Motorcycles Under the Same Policy

The only other restriction you need to know about is that motorcycles and cars cannot be covered under the same multi-car insurance policy.  Motorcycles require a motorcycle policy – not an auto policy. However, you may still be eligible for a discount by ordering through the same insurer for both policies.

How To Save Money On Car Insurance

Are you a driver under age 25? Are you the parent of a new driver? Then buckle up, because you’re about to head uphill with your car insurance rates. While it’s true that auto insurance rates are higher with a young driver on the policy, there are a few secrets to keeping those rates as low as possible. Follow our survival guide to car insurance so that buying a policy for the first time or adding a teen to your existing policy won’t be so scary after all.

Understand That Your Rates Will Increase

Teens and young adults are considered to be “inexperienced drivers” by insurance agencies until they turn 25 years old. And because agencies are assuming more risk with an inexperienced driver, they charge more to have that driver on the policy.

If you’re a parent, it’s hard to say just how much your insurance will increase with a teen driver because so much of it depends on individual circumstances. According to an Allstate agent who spoke with Aceable, for some people, adding a teen to their insurance only increases it by a few hundred dollars, while for others, the cost of the policy can triple. Meanwhile, if you’re under age 25 and buying car insurance for yourself, the price is almost guaranteed to be higher than it would be for someone older. That’s why it’s crucial to compare policies and find out which agency will give you the best discount. 

Know When To Add Your Teen To Your Policy

It’s tricky to know when to add your teen to your insurance policy because it differs by state as well as agency. For the most part, however, you won’t need to list your teen as a driver on your policy until they get their license. It’s a good idea, though, to notify your insurance agency as soon as your teen gets a learner permit. This way, in the event of an accident, you’ll know if they’re covered by your policy.

Consider Switching Insurance Agenics

Adding a new driver to the family brings about many exciting changes. (Less carpool duty for you, hopefully.) During this time of change, you might also consider changing insurance agencies to better suit your needs. Your current agency might not be the most affordable option, and in fact, it might actively be using pricing to get rid of you! Even if you’ve been with the same insurance company for years, now might be the perfect time to shop around.

Use An Aggregator To Shop And Compare Plans

An online aggregator for insurance companies is the fastest, easiest way to compare policies. There are several available to you.

Look For Extra Discounts

With a young driver on an insurance policy, you’ll want to scrounge up any discounts that you can. Check with your insurance agent for discounts related to: taking a defensive driving course, making good grades, driving a fuel-efficient car and more. 

Feeling a little more sure of yourself when it comes to car insurance? Good. Trust us: This process is way less scary than you think. And if you do need help, remember that Aceable is here for you every step of the way!

How Much Auto Insurance Do I Need?

 

Auto insurance can be broken down into three main types: vehicle, liability, and medical coverages. While you'll want to carry the minimum as required by state law, you'll also want to carefully consider the value of your car as well as additional coverages to protect yourself, your passengers, and your assets from accidents. When determining how much coverage you'll need, make sure you're covered for an amount equal to the total amount of your assets. Additionally, if you lease or have a lien on your vehicle, your lender may require for you to carry both comprehensive and collision coverages.

The following coverage packages are not specific coverage packages offered by carriers, rather, they illustrate common package types. This is more of a broad overview of what insurance carriers offer.

Keep in mind, you can mix and match coverages depending on your carrier and your specific needs. While you might want minimal coverages for your vehicle, you might want the maximum coverage for liability. Similarly, the health insurance you carry might factor into what choices you'll make when selecting personal injury protection (PIP).

Insurance carriers can be flexible and offer a wide range of products. We recommend speaking with agents to better dial in what you're looking for and tailor a policy that best suits your needs.

MINIMUM

This is the state required minimum coverage. Experts advise protecting your assets by purchasing more coverage than the state-mandated minimums, as these limits tend not to keep pace with the ever-increasing costs of car repair and medical bills. For example, repair of modern bumpers with motion sensors can cost upwards of $5,000. In some states, the minimum liability amount is only $5,000. Any damages over that amount could cost you out-of-pocket. We recommend purchasing more coverage, but if the state minimum is all you can afford and you don't have any savings or assets, this coverage level may suffice.

LOWER LEVEL

Consider this level of coverage if your car is valued under $10,000 and you can afford to pay out of pocket for repair, but you want higher liability and medical coverages to protect your assets. We recommend at least $25,000 for Property Damage, $50,000/$100,000 Bodily Injury, and $50,000/$100,000 for Under/Uninsured Motorists.

TYPICAL LEVEL

This level of coverage is purchased most often. It includes both collision, comprehensive, and higher amounts of liability and medical coverage. Generally, consumers choose $50,000 worth of Property Damage, $100,000/$300,000 Bodily Injury, and $250,000/$500,000 Under/Uninsured Motorist.

HIGHEST LEVEL

This level of coverage is a good choice if you have a lot of assets. While it will include both collision and comprehensive coverages for auto repair, it will generally have the highest level of liability and medical coverages available. Typically, $100,000 Property Damage, $250,000/$500,00 Bodily Injury, $250,000/$500,00 Under/Uninsured Motorist.

As previously stated, these coverages are indicative of packages that are common amongst consumers, but by no means are these examples exhaustive or restrictive of what you can purchase. Now that you have an overview of what's available, you can shop around and begin to get a sense of how carriers compare to one another for similar coverages.

From there, you can begin to compare differing products and discounts that each carrier offers. Not all carriers are the same, and to be competitive, they offer widely different products and policies. Take advantage of this.

For example, some carriers offer accident forgiveness, while others do not. Some carriers offer multiple products like renters, life, and homeowners insurance, which offers bundling opportunities.

Some carriers offer discounts that others do not. You might be interested in a low-mileage discount. You might qualify for a good student discount, a military discount, or a safe-driving discount. Some carriers offer discounts for anti-theft devices or if you use an electronic funds transfer to pay your premium.

It helps to shop around and compare quotes amongst carriers. There is no one-size-fits-all approach. You may want to speak with an independent agent, as well. They're knowledgeable of the industry and they understand what the multitude of carriers offer and their philosophies. An independent agent can help set you up with a carrier that's the best fit for you.

How to File a Car Insurance Claim



Getting into a car crash can be stressful and cause panic, even if you are protected with car insurance. Many folks have coverage, but don’t know what to do after an accident and don’t know how to file a car insurance claim. Keep calm and read on.

The car insurance claim process may seem daunting, but it is easier than it appears. Here is some information on what to do after a collision and how to file a claim with little hassle.

Things You Should Know Before the Worst Happens

No one plans to get into an accident, but it’s important to know what your policy covers in case you have file a car accident injury claim or any other insurance claim. Read through your policy so you always know where you stand. Know how much liability coverage you have and if you have collision and comprehensive coverage. If you notice any coverage you want that isn’t included in your plan, contact your insurance company to get it added to your policy. Reading over your policy can also inform you on how to best file an auto insurance claim with your insurer if you cannot proceed with traditional methods.

After the Accident

There is a whole guide on what to do after getting into an auto accident and there are some steps that take priority before filing accident claims. In short, pull over and park away from traffic if possible, check yourself and others involved in the accident for injuries, call the police to report the accident, and exchange insurance information with the people involved with the collision. Also, take pictures of the accident scene if you are able, write down license plate numbers of all vehicles involved in the collision, and write down the names and contact information of any witnesses.

Contact Your Insurance Company

Regardless of whoever caused the accident, you should call your insurance company as soon as possible to report the accident and file a claim. There should be a national or local phone number on your insurance card that you can call. When you speak with your insurance representative, ask if there are any particular forms you need to fill out or other information they need in order to swiftly process auto accident claims. Knowing what information you’ll need to obtain, usually items such as repair bills and the police report, will save you from making follow-up phone calls later on.

Take Your Car to a Repair Shop

While most state laws prohibit insurance companies from favoring specific auto body repair shops, many will provide you a list of local shops that are backed by repair and labor guarantees. Ultimately, you will be the one to choose which repair shop will fix your car. Make sure you know what your settlement amounts are before signing off on an estimate for repairs. You don’t want to end up paying beyond your policy’s limit if you can help it. Keep and make copies of all paperwork.

Cooperate With Your Insurer

Depending on the severity of the accident, you may be required to give your insurer additional information. They may call the repair shop to discuss the estimate for repairs or send an insurance adjuster to inspect the car. You may need to send copies of any legal papers or settlement offers you receive in relation to the accident. This can help your insurer defend you if you are sued as a result of the accident. It may seem like a hassle, but it is all in the interest of providing you the protection you purchased.

Keep Records of All Related Expenses

If you get a car estimate, hospital bill, a bill for a rental car, or any other expense related to your car accident, you need to be able to show proof of it to your insurance company. Keep any and all receipts or paperwork that indicates how much you paid or need to pay. You should also write down and report anything that could be considered lost wages. This can help you get reimbursed properly for these expenses.

Keep and Store Copies of Paperwork

This has been mentioned previously multiple times, but it bears repeating. It is important to keep any and all paperwork related to your accident in order for your insurance provider to refer to it when filing your car insurance claim. Keep the originals and make copies of any forms, bills, or other items related to your accident. You should also consider keeping your records organized in a file and kept in a safe place in your home.

If You’re Dissatisfied, Talk to Your Insurance Agent

If your claim has been processed and you aren’t satisfied with your payout, don’t be afraid to talk things over with your insurance provider. You can both review what was outlined in your policy agreement and see if there was any information that was overlooked or forgot to provide. It could also be an opportunity to update your insurance policy to include certain coverages that weren’t available to you in this instance.

WHY ROADSIDE ASSISTANCE MATTERS

A ROADSIDE STORY

Many drivers take roadside assistance for granted. Some driver might not even know they have it. I personally cannot tell you the number of times that roadside assistance has come to my rescue. Locked keys, flat tire, or battery jumps; roadside assistance is a wonderful tool.  “I can jump my own car” some might say. My response is to imagine the following…

EYES ON THE ROAD

It is the middle of the week. With just a quarter past ten, the streets seem to be clear. With limited cars in sight, you can probably shorten the stretch in reaching your cozy destination. Then suddenly, so you see something. Up ahead, a man frantically waves his hand at oncoming vehicles but none stopped. Then you pull over.
This middle-aged guy Jimmy tells you that his automobile won’t start shortly after you came out of your pick-up truck. He has stopped at a convenience store in order to buy some bread. When he started the engine, what he hears is the tapping sound akin to someone tapping on a Morse code apparatus. Then it hits you.
So here you are, offering roadside assistance to somebody. A lot of scenarios suddenly pop out of your head. Do have the necessary tools to help the guy out? More importantly, do you have enough knowledge to jumpstart his automobile?

LEFT SOMETHING OUT

Let’s try to backtrack here a bit. Prior to jumping into your car, there has been no indication that you’ve taken the necessary preparation for a road trip. Although vehicles usually have tools, there is no guarantee that these materials are complete. Missing out on trip preparations can, at times, be disastrous for you.
For instance, even if you have the alligator jack or the lug wrench but you forgot to bring the early warning devices, changing a flat tire can still be dangerous for you. So preparing the necessary tools is definitely vital.
Going back to the guy who needed road assistance, it will be a double whammy if he himself had not brought in the necessary materials. It will even be more disastrous if, like you, he has a very limited knowledge about fixing cars.

WHAT NOW

You must take note that troubles on the road are doubly catastrophic if it happens in solitary or less populated highways. How will you and that person you intended to help get through the problem? Here are the practical approaches to this predicament.
Primarily, you need to have the contact numbers of your mechanics with you. That way, you can call them up when you need roadside assistance. It also helps if you know the area that you are treading on the way to your destination. Doing so allows you to have the exact locations of nearby service centers.

LEARNING TRULY HELPS

Secondly, it is best if you have at least some practical know-how about vehicles. The tapping sound on the car of the person you’ve tried to help can probably be attributed to loose battery terminals. However, you will not know that unless you have previous knowledge about such thing. The truth is you don’t need to be a mechanic in order to survive on the road. Having some solutions about common automobile troubles is all you need.
Third, you need to be receptive about the situation that you are in. The guy who needed your assistance may have parked his car properly but in most roadside troubles, the cars usually stall or lose power in the middle of nowhere. Now that is very dangerous. Imagine yourself being in the center with speeding vehicles zooming around. That early warning device will come in handy in such situation.

BRING IN THE ESSENTIALS

To sum it all up, you need three things to keep roadside assistance essential. Preparation is key to everything. One, you need all the numbers from people that will help you in case things get complicated on the road. Talking about contact information, you should take note that this is not only limited to mechanics and towing companies. This also means that you should be able to reach persons with authority like policemen or firemen. At some point, these people will provide you with the resources or services that you need.
Two, acquiring practical knowledge about car troubles will not hurt you. In fact, it will be your gateway towards greater facts where automobiles are concerned. Three, equally important is that sense of awareness. Car troubles always happen unexpectedly. You need to be on top of the scenario when that happens.

Everything You Need to Know About Excluding People From Auto Insurance

As one’s household grows, so too, does their auto insurance policy. While this is a pretty standard and expected occurrence, it’s important for people with an increasing number of licensed drivers under one roof to realize they have options. Should any of their family members threaten their driving reputation and quotes, policyholders have the option to remove and exclude them from their insurance plans, making auto coverage someone else’s problem and responsibility.

REQUESTING AN EXCLUSION

If you’re a policyholder interested in excluding one or more individuals from your policy, then you need to contact your insurance company and/or agent. Your request will have to be in writing and might also come with additional forms and paperwork, depending on who your insurance company is. It’s also important to note that requesting an exclusion may cause your rates to increase a bit, but some view this cost as a much more affordable expense than the potential damages they might be held accountable for when the dangerous driver(s) in question get in a serious accident or have repeated traffic offenses.

Whom Should I Exclude?

Now that you know how to request an exclusion, it’s important to understand WHO to exclude. You should exclude anyone you see as high-risk, unreliable and irresponsible. Individuals who show no regard for rules and regulations and could care less what happens to your name and record in the process are other obvious options. To help make the choice easier for you, below is a list of three individuals you definitely don’t want on your policy.

Mittens, the Family Cat

While a fluffy, cute member of the family, Mittens also has a wild side with which you are all too familiar. She is open about her late-night romps with her neighborhood friends, often coming home as the sun rises. She’s practically nocturnal! Those crazy hours coupled with her sassy attitude are a recipe for disaster for you and your record, so nip this problem in the bud while you still can — before Mittens brings you down with her.

Your Six-year-old Who’s Going on Sixteen

Six-year-old Ben is your pride and joy. He’s cute and sweet, but let’s be honest — the boy is growing up too fast. Rather than run the risk of him growing up, stealing your car and running away, it’s probably best to exclude him from your policy to keep that from happening. You might not be able to stop him from physically growing, but you will darn sure try to stop him from leaving you!

The Neighbor Next Door Who Thinks He’s ALWAYS Welcome

Sure you let him borrow a cup a sugar once, but does that really warrant unannounced pop-ins or the dreaded ‘surprise I was waiting for you to get home from work’ visit? The answer is obviously no, but that doesn’t stop your too-close-for-comfort neighbor from doing just that and more. A sweet, eager individual with no concept of social norms, this neighbor is here so often you’re worried he thinks he’s actually a part of the family. While you technically shouldn’t have to cover him on your insurance, the lines that surround your whole relationship — and evidently your property— have been blurred. So, just to be on the safe side, you better exclude him. Who knows, maybe one day he’ll get really comfortable and decide to take your car for a spin and get locked up for grand theft auto — maybe then at least you’ll get to cook in peace again!

Reality Check

Obviously, these examples of potential exclusions are extreme and ridiculous, but that’s just the point. Auto insurance exclusions are a serious issue that should be treated as such. They shouldn’t be added to policies willy-nilly and on a whim, but rather after serious thought and consideration has been given to the situation. It can be a pricey and potentially lengthy process that should only be implemented after you have determined there is no other feasible option.

You should only opt to exclude drivers with repeated violations such as driving under the influence of alcohol or drugs, speeding or any other behavior that shows a disregard for the law. It’s also important to note that exclusions can also apply to non-related roommates. Depending on your policy and location, it might be a smart idea to exclude any irresponsible roommates you might have, should they try to drive your vehicle without permission and thus endanger your reputation and record.

We do hope you’re never presented with having to exclude a family member from your auto policy. Keep in mind, it’s only advisable when the said-driver is extremely toxic. Most of the time, excluding a single driver will only lead to higher rates for everyone involved.

You’ll know they are a real risk if they cause you to be subjected to higher rates, or worse, put you in danger of losing your coverage altogether — those are costly expenses worth the fees that come along with an exclusion.

If you are seriously considering opting for an exclusion, talk with your insurer to explore all of your options and alternatives. They should help point you in the right direction for your future.