Monthly Archives: February 2017

Know More About Canadian Car Insurance

While it is always necessary to be covered by auto insurance, there are several factors of Canadian car Insurance that differ from American insurance. The minimum and maximum coverage varies slightly, as well as how your auto is insured. The mandatory coverage varies by providence or territory.

First, the required minimum liability insurance for most of Canada is $200,000, while it is advisable to purchase more than the minimum. In Quebec, the minimum liability requirement is $50,000.

You must purchase your Canadian car insurance through a private auto insurer if insuring within the Northern territories. These territories include (but are not limited to): Yukon, Alberta, Ontario, New Brunswick, Newfoundland, Prince Edward Island, and Nova Scotia.

In British Columbia and Saskatchewan, you have the option to purchase car insurance via private insurer or a government agency. You will also have the option to add additional coverage to suit your needs.

In Quebec, the insurance procedure is similar to the above, with some notable exceptions. Here, Canadian car insurance is provided by both private insurers and the government agency, SAAQ (Société de l’assurance automobile du Québec. There is a mandatory coverage called Civil Liability, which can only be purchased through the private sector. The SAAQ provides residents of Quebec coverage for sustained bodily injury (when in an accident).

Canadian car insurance does not require you to purchase insurance for damages to your vehicle, but it is advisable to do so – especially if you are insuring a new car. The best option for this situation is to purchase Collision and Comprehensive coverage. Additionally, you will often be required to purchase this type of coverage if your vehicle is financed or leased.

 

Tips to Get the Most Out of Your Canadian Car Insurance:

Ask for discounts – Many insurance companies will offer a discount on your policy if the vehicle you are insuring already has safety features: anti-theft devices, alarm systems, Anti-lock brakes, child safety locks, and dual airbags. Additional discounts are given to British Columbia insurers who enroll in a collision avoidance course with Canadian insurance companies such as Canadian Direct.

Choose your car wisely – If purchasing a new vehicle, it is advisable check with your insurance company if your auto is “high risk” for vandalism and/or theft. These types of vehicles will have a higher premium. You can also check the safety record of your car and get additional tips by contacting the Insurance Bureau of Canada.

The Cheapest Cars to Insure

There are many things that effect the insurance amount that you are going to pay for a car. Among these things are your age, zip code, driving record, gender, annual mileage, and even your credit score! The biggest thing that effects how much your insurance is going to cost though, is the car that you drive. The cheapest car, does not necessarily mean the cheapest insurance. There are a lot of things that insurance companies look at about a car before determining whether it will be more cost effective to insure or not.

The three main things that an insurance company looks at when deciding how much insurance for the particular car is going to be is the theft rate of the vehicle, the safety rating on the vehicle, and how often that particular vehicle has been reported to be in accidents. Generally, insurance is higher for sports cars than anything else because they are known to have a high accident and theft rate. Family cars usually have a cheaper rate because they are not driven carelessly and are stolen less frequently.

The number one cheapest car to insure on the market right now is the 2009 Mercury Grand Marquis. It has a five star side and frontal safety rating making it one of the safest cars on the market. It also has an extremely low theft rate and and accident rate.

Next in line after the Grand Marquis is the 2009 Buick LaCrosse. This car has a five star frontal safety rating. The theft rate and accident rate are also low on this one. It is believed that the insurance on this particular car is cheaper because it is a choice of older drivers who do not do a lot of driving and also drive safer than many other drivers on the road.

With a five star frontal and side safety rating, the Toyota Avalon comes in third on the cheapest cars to insure list. It is also another favorite of more mature drivers making the accident and theft rate low on it as well. This car has remained on the top cars to insure list for quite a while.

Auto Accident repairs

Following any auto accident where the car appears to be repairable, there is a process that takes place. It begins with the insurance company’s estimate of the damages to the vehicle, and it concludes with the completion of the repairs to the vehicle owner’s satisfaction.

Initially, upon receiving a request for a claim, the insurance company will assign and adjuster to perform a thorough inspection of the vehicle and generate a repair estimate. Depending on the particular insurance carrier and the extent of the damages, generating a repair estimate may take anywhere from 2 to 5 days. Once this quote has been provided to the vehicle owner, it is then the vehicle owner’s responsibility to authorize the repairs.

For the most part, minor repairs can be completed in a matter of days. The repair shop will begin by ordering any body or mechanical parts that need to be replaced, and begin the repairs at the same time. Some minor damages have been completely repaired in less than one week, while others may take twice as long. If a vehicle has been involved in a minor accident, the entire repair process could be completed in 5 to 10 days. However, one could expect this process to take up to twice as long, since there are many variables that can affect any ideal scenario.

Major accident damages present another time-frame scenario entirely. To begin with, there are often unforeseen damages that can only be correctly evaluated when a vehicle is disassembled. An adjuster can offer an experienced assessment and provide preliminary costs for these repairs within the same 2 to 5 day time frame, however this cost will most likely differ from the actual repair bill.

For this reason, the vehicle owner is asked to secure several repair estimates and provide these to the adjuster. This part of the process can take anywhere from 5 to 10 days, depending on the effectiveness of the vehicle owner in obtaining the comparative estimates. Once the estimates are received by the adjuster, the actual place of repair can be selected and the car may need to be transported to that location.

Creates a Magic in Your Car

We’ve all wished at times that we had x-ray vision to see through blind spots on our vehicles, especially when we’re backing up.  What if we could see through the back of our car and know exactly what was going on behind us? Now, an innovation at Keio University in Japan can make it possible. The cutting edge technology called ‘See-through Prius’ was revealed at Tokyo’s Digital Content Expo.

The system uses technology developed at Keio University in Japan called ‘optical camouflage’ that was created about ten years ago for military use called ‘invisibility cloak’.  It uses a camera to capture what’s behind you and project it onto the front of a garment, thus rendering the person wearing it almost invisible. The material in the cloak is embedded with thousands of reflective beads that shine in various directions, creating a new type of camouflage that provides soldiers with additional protection in dangerous situations.

In its application in a vehicle, a small camera captures the image from behind the car and projects it onto the front of the backseat, creating a virtual transparency that allows the driver to see what’s happening behind them when backing up. The technology’s creators say this works better than a dashboard display that doesn’t allow you get a complete view when backing up.

The invisibility system is still in development and isn’t available to the general public, however it was mentioned as an up-and-coming auto innovation by Toyota USA CEO and President Jim Lentz during his keynote speech at this year’s Los Angeles Auto Show.

Masahiko Inami, one of the technology’s creators said in a Japanese government publication, “The driver will feel like he’s driving a glass car. Sir Arthur C. Clarke said ‘Any sufficiently advanced technology is indistinguishable from magic.’ I want to develop technology like magic that people can use easily in the future.”