Service and Savings in Nova Scotia

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Auto Amherst Nova Scotia Insurance Quotes2023-10-17T10:33:59-02:30

Save on car insurance in Amherst.

We’re one of Amherst’s largest independent brokers. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with Amherst’s best auto protection and benefits. That’s a promise.

Amherst, a modern town based in heritage.

Amherst

Amherst’s charm and nature wrap around you here. History and culture meet modern conveniences. There is no wonder anyone calls Amherst home. Just a two-hour drive from Halifax and a 90-minute drive from Stanfield International Airport, it’s just close enough to be perfectly far away. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive rates for car insurance in Amherst and save while you’re doing it.

Driving in Amherst – Tips to keep you on the road.

DID YOU KNOW…

The “blind spot” is the name for the area on either side of a car that is invisible to wing mirrors. However, that isn’t wholly true. Maybe your car’s wing mirrors are just adjusted incorrectly. Put blind spots into full view of your side mirrors when mirrors are adjusted to contain no part of your vehicle. Angle them away from you to the point where your vehicle is no longer visible in either one. Any car that’s passing you on either side will remain in at least one of your mirrors until it enters your field of vision. This adjustment doesn’t eliminate your need to check your blind spots manually, but it is just another form of protection to keep you safe on the roads.

LIGHTS ON.

You can reduce your risk of being involved in an accident just by keeping your lights on at all times, including during the day. Drivers, cyclists and pedestrians are less likely to pull out in front of you if they can instantly see the glare of your headlights in a glance. In countries like Canada, Sweden and Finland, all new cars are required to have automatic running lights that stay on at all times. However, if your vehicle is an older model, take a moment and flick on your lights.

HELP KEEP WORKERS SAFE.

When an emergency vehicle pulled over with its lights flashing, the law is motorists must slow down to 60 km/h or obey the speed limit if it’s lower than 60 km/h. If the road has two or more lanes in one direction, motorists must also move into another lane, if safe to do so, farther away from the stopped vehicle if it can. The driver must obey these laws for emergency and law enforcement vehicles. A fine can be as high as $350 for a first offence, with the potential to go higher.

IMPAIRED DRIVING DOESN’T JUST MEAN SUBSTANCES.

Driving under the influence of a substance is dangerous and illegal. But what isn’t thought about often is that a severe lack of sleep could also impair you just as much. Any time your mental facilities could be compromised – whether from alcohol, poor sleep, new medication, or even having a horrible cold, take time off the road.

Amherst Market

A few facts about car insurance in Amherst.

  • The average age of auto insurance policyholders in Amherst is 37
  • The average age of drivers in Amherst is 51
  • The number of accident claims in Amherst in 2018 was 1100
  • The top automotive brands we insure in Amherst are Honda, Ford, Chevrolet, Toyota, Hyundai, Mazda, Dodge, Volkswagen
  • 66% of people in Amherst drive Cars
  • 34% of people in Amherst drive Trucks
A father and son holding hands, smiling at one another.

Facts and myths about Amherst.

FACTS

In July, Amherst hosts the Bordertown Biker Bash. It’s an annual motorcycle rally with tours of scenic Nova Scotia, a burnout competition, stunt shows, live music, and a live concert.

Every August, Amherst hosts an eight-team little league baseball tournament, featuring four teams from New England.

Russian revolutionary Leon Trotsky was incarcerated at a detention centre in Amherst after he was arrested in Halifax in 1917.

Amherst gained brief notoriety in the late 19th century as the location of alleged poltergeist phenomena afflicting Amherst resident Esther Cox in 1878 and 1879, which became known as the Great Amherst Mystery after the publication of a popular book on the affair.

MYTHS

People don’t want to live here.
Moneysense Magazine rated Amherst as the best small town in Nova Scotia in their 2017 ranking of the best places to live in Canada. Affordable housing, great health care, and a vibrant arts and recreation culture are some of the outstanding features.

There is limited healthcare.
There is the Cumberland Regional Health Care Centre that provides 24-hour emergency room care, diagnostic imaging, cancer care, surgeries, and obstetrics. There is also the Victorian Order of Nurses that offers more than 75 home care, personal support, and community services.

It’s far away from everything.
An international airport and the urban centre of Moncton are just over a half an hour away. As the second-largest small town in Nova Scotia, Amherst is home to 9,400 residents and another 100,000 people who live within a half-hour drive.

There are limited educational facilities within Amherst.
Amherst is the location of one of Nova Scotia Community College’s campuses. It also has a regional high school, a junior high school and three elementary schools.

We do the shopping. You get the savings.

Nova Scotians love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our Nova Scotia customers with the best coverage at the best rate. Some of the insurance companies we search for our customers include:

How Munn Insurance saves you money.

We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.

  • Bundling (Auto + Home Discount)
  • Multiple Vehicle Discounts
  • Experienced Drivers Discount
  • Safe Drivers Discount
  • Claims-Free Discount
  • Loyalty Discount
  • And Many More

Combine your home and car policies and save.

With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage.  So combine them both and receive a discount on both. That’s like a double discount!

Combining also gives you the extra convenience of aligned renewal rates and less paperwork.

You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:

  • Private Homes
  • Condos
  • Tenants
  • Cabins/Cottages
  • Rented Dwellings
A woman looking through a window.

Special discounts and savings with a Munn Insurance Group policy.

We recognize the value groups provide to Amherst. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across Nova Scotia. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Nova Scotia are able to take advantage of special discounts and many extra-valuable benefits.

  • Special Group Discounts
  • Mortgage & Real Estate Assistance
  • 0% Insurance Financing
  • Home Repair Assistance
  • Legal Assistance
  • Health Assistance

Get Amherst’s best leisure vehicle protection.

Nova Scotians love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Nova Scotia. Whether it’s your ATV, motorhome, motorcycle – or any of your leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.

  • Boat and Watercraft
  • ATV
  • Snowmobile
  • Classic Cars and Auto
  • Motorhome, RV and Trailer
  • Motorcycle
A day and his son cleaning a Mustang car.
Someone driving an ATV
Two girls hanging out the door of an RV
A girl on a boat wearing a life jacket and holding a fishing rod.
Two people riding a snowmobile.
Someone driving a motorcycle.

Car insurance laws in Amherst

It is mandatory to have auto insurance for all vehicles in Amherst. The province has enacted “financial responsibility laws” to ensure drivers are accountable for the financial consequences of their actions while on our roads.

Current limits for auto insurance in Amherst are:

  • $500,000 liability coverage
  • $50,000 medical payments coverage
  • $2,500 funeral benefits
  • Disability income/death benefits for persons injured or killed in an auto accident
  • Uninsured and unidentified driver insurance

Nova Scotia has a no-fault-based insurance system. This means drivers can file claims with their own insurance company, regardless of who is at fault for the accident. In addition, the province does not take age or marital status into account when determining risk.

Nova Scotian clock tower

Amherst car insurance – your questions answered.

A young girl sitting in a car seat in a pink jacket.
How is fault determined by insurance companies in Nova Scotia?2022-09-23T14:25:35-02:30

The Automobile Insurance Fault Determination Regulations determine who is at fault in an auto accident in Nova Scotia. Insurers must comply with Section 4 of the regulations. Section 4 states: “An insurer must determine the degree of fault of an insured for loss or damage arising directly or indirectly from the use or operation of an automobile in accordance with these regulations.”

What insurance system does Nova Scotia adhere to?2022-09-23T14:25:35-02:30

Nova Scotia’s auto insurance system is a no-fault system, meaning regardless of who’s at fault, drivers deal with their own insurance company.

In Nova Scotia, what are the penalties for driving without auto insurance?2022-09-23T14:25:35-02:30

A first offence conviction for driving without auto insurance in Nova Scotia requires payment of a $1000 fine or 45 days in jail. For a second offence the fine is $2000 or 90 days in jail. The third offence results in a $5000 fine or 120 days in jail. Convictions for driving without auto insurance mean you will be identified as a high risk and will be required to pay higher auto insurance rates.

Is auto insurance mandatory in Nova Scotia?2022-09-23T14:25:35-02:30

Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Nova Scotia?2022-09-23T14:25:35-02:30

There are many ways to get cheap auto insurance in Nova Scotia:

  • Work with an independent broker who can help you find the best policy
  • Always pay your premiums on time
  • Choose a vehicle with less susceptibility to theft
  • Choose a vehicle with more safety and security features
  • Maintain a good driving history
  • Obey the rules of the road and avoid speeding tickets
  • Understand and choose the right type of insurance coverage
  • Shop around for the best policy
Nova Scotia’s auto insurance rates are low. Why?2022-09-23T14:25:35-02:30

Insurance reforms implemented by the Nova Scotia Government in 2003 helped reduce rates by 27%. The reforms also resulted in a wider range of insurance options for consumers.

How do auto insurance rates in Nova Scotia compare to other provinces?2022-09-23T14:25:35-02:30
  • Nova Scotia auto insurance premiums fall in the lower half of the national rate spectrum.

    • Ontario $1445
    • British Columbia $1680
    • Alberta $1251
    • Manitoba $1080
    • North West Territories $978
    • Nunavut $963
    • Nova Scotia $847
    • Saskatchewan $936
    • New Brunswick $819
    • Prince Edward Island $796
    • Quebec $661

    Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec

What are the factors used to determine auto insurance rates in Nova Scotia?2022-09-23T14:25:35-02:30

A variety of factors are used by Nova Scotia insurers to set auto insurance rates:

  • Your gender
  • Deductible amount
  • Your vehicle’s value
  • How you use your vehicle
  • Distance you drive each day
  • Who else is driving the vehicle
  • Type of coverage chosen
  • Driving record/claim history of all drivers
  • Vehicle type and theft rating
In Nova Scotia, who determines auto insurance rates?2022-09-23T14:25:36-02:30

Auto insurance rates in Nova Scotia are determined by individual insurers. The Office of the Superintendent of Insurance then reviews and approves the rates. Nova Scotia auto insurance is also regulated by The Nova Scotia Insurance Review Board, in addition to monitoring rates across the province.

Auto Insurance by community content.

As one of Atlantic Canada’s largest independent brokers, we work for you – not the insurance company. So we always have your best interests at heart. That’s why we will shop around to find you the best insurance at the best price.

Our Latest Advice

Understanding CGL Coverage and What Injuries Are Covered

Commercial General Liability (CGL) insurance is designed to help protect you and your business if you’re found legally liable for bodily injuries to a third party. Put simply, if someone gets injured on your business’ property and decides to sue you, your CGL insurance policy can help with legal costs and damages associated with the lawsuit.

CGL insurance provides essential coverage for bodily injury and property damage claims arising from your business operations. In Atlantic Canada, slip-and-fall injuries are among the most common claims under CGL insurance. These claims typically arise when a third party, such as a customer or visitor, sustains injuries due to a slippery or hazardous surface on the insured premises. CGL coverage helps protect businesses from the financial implications of such bodily injury claims, including medical expenses, legal fees, and potential settlements. It underscores the importance for businesses to prioritize premises safety measures to prevent accidents and reduce the risk of liability claims under their CGL policies.

Here are a few tips to help you minimize slip-and-fall injuries at your small business:

  1. Regular Maintenance: Conduct frequent inspections to identify and promptly address any hazards. Clean spills, and repair damaged or uneven surfaces and pathways. Remove your clutter as well.
  2. Weather Preparedness: Keep walkways clear of ice and snow, especially during winter.
  3. Slip-Resistant Flooring: Install slip-resistant surfaces, particularly in high-traffic areas. Also address uneven, unsecured mats.
  4. Warning Signs: Use visible warning signs in wet or freshly cleaned areas.
  5. Effective Lighting: Ensure proper lighting to enhance visibility for customers and employees.
  6. Staff Training: Train staff to quickly respond to spills and report potential hazards.
  7. Maintain a log of items that were inspected and fixed if necessary.

Let’s delve into what types of injuries are covered under a CGL policy.

  • Bodily Injuries on Premises: CGL policies typically cover bodily injuries sustained by third parties on your business premises. This includes customers, clients, or visitors who may slip, trip, or fall on your property.
  • Products Liability: If your business manufactures, sells, or distributes products, CGL insurance covers bodily injuries caused by defects or hazards associated with your products.
  • Completed Operations: CGL coverage extends to bodily injuries resulting from completed operations or services. If a client is injured due to a service you provided, the policy can provide protection.
  • Advertising and Personal Injury: CGL policies often cover non-physical injuries, such as libel, slander, or false advertising claims. This ensures your business is protected against certain reputational and personal injury risks.
  • Medical Payments: CGL policies may include coverage for medical expenses incurred by individuals who sustain injuries on your premises, regardless of fault. This can help expedite compensation and prevent legal action.
  • Employee Injuries: While workers’ compensation generally covers employee injuries, CGL insurance may offer some protection in certain cases, especially if a third party is involved.

It’s important to note that the specific coverage details can vary based on policy terms and endorsements. Munn Insurance emphasizes the importance of customizing your CGL policy to suit your business needs. Working with experienced insurance professionals ensures that your coverage aligns with the unique risks of your business in Atlantic Canada.

Being prepared and proactive should be part of your plan, but sometimes accidents happen. If you do have a third-party bodily injury at your business, it’s important to have best practices in place on what to do. A good starting place is an incident report. Have a form at the ready for all those involved to fill out. This will help you record key details that you can reference when you report the incident back to your insurance provider. It’s very important to contact your insurance provider as soon as possible following an accident. They can walk you through the claims process and provide insight on important details, such as reducing your exposure to liability.

In conclusion, a well-tailored CGL policy available through Munn Insurance provides vital protection against a range of bodily injury claims. Whether on your premises, through completed operations, or related to your products and advertising, having comprehensive CGL coverage is essential for the overall risk management strategy of your business.

We have extensive experiencing insuring all types of businesses, from small one person operations to much more complex enterprises. We can help make sure you get the right coverage at the best price. If you have any questions, call the insurance experts at Munn Insurance at 1-855-726-8627. We’d be happy to help.

February 22, 2024|Categories: Commercial Insurance|
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