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Latest News from Al Hattie Insurance

Learning From Losses: Collision With A Locomotive

posted by Al Hattie Insurance    |   March 30, 2015 07:00

LOCATION:
Rural Saskatchewan road

CAUSE OF LOSS:
Collision with a locomotive at an uncontrolled railroad crossing

COST OF LOSS:
Total paid/reserved: $650,000. (Trailer: $50,000; Property damage to train: $600,000;
Loss of earnings/business interruption due to damage to train tracks and locomotive: undetermined)
In December, the insured was driving a load of wheat to a terminal. Distracted, he drove through an
uncontrolled rail crossing. An approaching train split the trailer in half. The insured’s package policy
protected him for $1 million of liability, which covered the loss.

LESSONS LEARNED:
Avoid financial ruin by carrying the appropriate insurance coverage; for a minor cost (an extra $30 in
this case), you can protect yourself from unnecessary loss.

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Auto Insurance | Driver Safety

Facts About Auto Paks

posted by Al Hattie Insurance    |   January 12, 2015 07:00

All vehicles registered in Saskatchewan are required to be plated, which provides a high deductible and the most basic coverages and liability. But benefits provided by Auto Paks can make sure your family and your bank account is well protected in case of a serious accident. Here are some quick facts about Auto Paks:

- Make accidents affordable. Pick from a range of deductibles from $700 down to $50!

- Don't even pay the deductible! If you hit wildlife, or suffer damage due to fire, lightning or your vehicle is stolen your deductible is waived.

- Financial protection is provided through liability coverages ranging from $1 million to $5 million in the event of a law suit against you.

- Keep your family safe with coverage protecting from injury and loss equal to your liability amount (up to $2 million).

- Adding the Loss of Use coverage will keep you on the road after an accident, covering you for rental costs.

- It doesn't just cover your vehicle, but also extends to vehicles you have rented or borrowed.

- Buying Replacement or Repair cost coverage within 120 days of purchasing a new vehicle will allow you to preserve the value you paid for, fighting off depreciation.

- You can receive a discount for scheduling multiple vehicles on one policy.

 

Thinking an Auto Pak might be right for you? Get a free online quote!

 

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Auto Insurance

Your Auto Policy Vs Your Basic Plates

posted by Al Hattie Insurance    |   February 10, 2014 14:08

When plating and insuring your vehicle in Saskatchewan, whether it be your winter beater or your brand new SUV, it's important to understand your options and what you are getting in terms of coverage and deductible.

When purchasing an Auto Policy, you are not just plating your car, you are getting a customizable insurance policy that protects you and your family from loss not covered by basic plate insurance. You gain several key additions including:

- Increased liability coverage from $1 million to $5 million

- Lower deductibles from $500 to $50

- Waived deductibles if you hit wildlife or have damage due to fire, lightning or theft

- Rental car coverage (which includes protection against damages to the vehicle)

- Increased injury benefits

 

Additional options:

- Replacement cost coverage on brand new vehicles (must be insured within 120 days of vehicle delivery)

- If your vehicle is totaled in the first 24 months, your deductible may be waived and your vehicle is replaced

- If your vehicle is repairable, only new parts will be used

- If your vehicle is leased your original purchase price is protected, covering the difference between what you owe your leasing company and the actual cash value of the vehicle

- Loss of use coverage for alternative transportation in the event of a claim

- Road hazard glass coverage including chip repair

 

There are many examples of how an Auto Policy can provide necessary benefits in coverage. For instance, if you injure a high salaried person in a collision and must pay to supplement their lost income, Auto Policy pays for costs not covered by basic plate insurance. You may face significant financial hardship if you're found at fault for damaging someone's property or if someone gets injured.

Getting the right protection is about the best combination of basic plate insurance and an Auto Policy tailored to your needs.

 

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Auto Insurance

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