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Quality Auto Insurance in Edmonton

We know that for many Albertans your vehicle is part of your lifestyle. Whether you use it to tow your trailer for a weekend out in the Rockie’s, load it up with your kid’s hockey equipment or helping a friend move – you need to be sure that your auto insurance meets your needs.

Rogers McLean Shaw has been insuring vehicles of all types for more than a half-century. Our auto insurance broker’s provide comprehensive coverage on a variety of vehicles for all types of owners and have the experience to recognize your protection needs and tailor your car insurance quote to your budget.

Why Do I Need Car Insurance?

Vehicle insurance is mandatory for all Alberta drivers by law and requires accidental benefits and third-party liability insurance. A lot can happen in the blink of an eye – and auto insurance can save you a lot of money and stress in the event of an accident.

Car or auto insurance helps protect you from:

  • Liability claims if you are found responsible for an accident that causes damage to another person’s vehicle or injuries because of the collision
  • The cost of repairs to your car or others if it’s in an accident or damaged

If you are unsure about the coverage you need, our auto insurance brokers at Rogers McLean Shaw can help you find the right vehicle insurance.

Auto Insurance Coverage

You should know what you are paying for when it comes to your auto insurance coverage. No two drivers are the same so your coverage shouldn’t be.

When deciding on your auto insurance you should know what these types of insurance coverage apply to:

  • Third-party liability protects you from being sued for causing an accident or damage to somebody else’s property. A scenario for a claim like this could include if you had a collision with a cyclist that injured the person and bike.
  • Property damage liability helps to pay for the damage caused to another’s property or vehicle. It typically covers the cost for repairs if you are found at fault for an accident.
  • Comprehensive coverage includes repairs for damage to your vehicle outside of collisions. This can include vandalism, fire, flood, windshield damage and an Alberta favourite, hail.
  • Collision insurance is coverage that helps pay to fix or replace your vehicle if it’s damaged by another vehicle or an object. This is usually optional if your vehicle is paid off. However, financed or leased automobiles usually require collision insurance by the lender.
  • Accident benefits provide support and compensation – regardless of who is it at fault – if you, one of your passengers or a pedestrian is injured in a car accident.

There are many options available for vehicle insurance. Talk to a Rogers McLean Shaw auto insurance broker for more details.

What Impacts the Cost of Car Insurance in Edmonton?

There are several factors that can impact the price of your auto insurance. While some of them are within your control such as your driving record – others, like your age, are not.

Factors impacting your car insurance can include:

  • Your vehicles make and model.
  • Your age, gender, marital status, credit history and address.
  • How much annual mileage you put on your vehicle.
  • Your driving record and whether you have received high-risk violations such as driving under the influence.

Rates can be calculated differently depending on the insurance company which is why it’s a good idea to talk to a Rogers McLean Shaw auto insurance broker about finding coverage that works with your budget.

Direct Compensation Property Damage Auto Insurance in Edmonton, Alberta

Alberta has changed how vehicle damage claims are handled after accidents. 

As of January 1, 2022, your auto insurance policy will now include mandatory Direct Compensation Property Damage (DCPD) coverage. The goal is to simplify the claims system, making the process faster and easier for you.

DCPD does not change your overall coverage, only who pays for the physical damage.

  • If you’re involved in an accident where another driver is at fault, your own insurance company will pay for repairs to your vehicle.
  • If you’re partially at fault, your DCPD coverage will only cover a percentage of repairs.
  • If you’re at fault, you will not have coverage under DCPD, and you’ll need collision or all-perils protection to have repairs to your vehicle covered.

Here are some frequently asked questions on DCPD Coverage in Alberta:

  • With DCPD coverage, who determines who is at fault?
    Guidelines are set by the Insurance Act of Alberta and will be based on the information provided by those involved in the accident. A claims adjuster will review this information and determine who is at fault.
  • Does DCPD cover physical injuries?
    DCPD only applies to your vehicle’s damage. Injury claims are still covered under third party liability insurance.
  • What is the deductible for DCPD coverage?
    By default, deductibles for DCPD will be $0, meaning you will not have to pay out of pocket when you have a claim for this type of coverage. If you are interested in lowering your overall premiums, you may have the option to increase your deductible. Contact a Rogers McLean Shaw broker to learn more.
  • Does DCPD apply to all vehicles?
    DPCD coverage is mandatory on personal vehicles, commercial vehicles, motorhomes, motorcycles and ATVs.

If you have any further questions about DCPD or your auto insurance, we’re here to help. Give us a call today.

Why Rogers McLean Shaw?

We have been assisting our clients in finding the right auto insurance coverage for over 65 years. Our team of auto insurance brokers will listen to and work with you to find a quote that fits your budget and provides the coverage for your lifestyle.

As a partner of the Rogers Insurance Group of Companies, we have numerous contacts within the industry to ensure you are getting a competitive price. Get a free car insurance quote by giving us a call today.

Start a conversation with one of our expert brokers today to determine the right coverage for you.

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