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A multi-car accident is, by definition, a collision involving three or more vehicles. At MBS Insurance Brokers Ltd. we understand how stressful multiple vehicle pileups can be. If you’re ever involved in a multi-car accident, you’ll be glad to have customized auto insurance in Edmonton from trusted insurance brokers to help you deal with the aftermath.

Multi-car accidents often occur when drivers lose control in slippery conditions or when they don’t slow down for road hazards. Such accidents are more likely than single- and two-vehicle collisions to result in serious injuries and damages which may lead to debilitating expenses.

Immediate Steps after You’ve Been Involved in a Multi-Car Accident

Immediately following a multi-car collision, make sure that you and your passengers are okay. If it is safe to stay in your vehicle, then resist the urge to get out right away, as the accident may not be over yet. When the paramedics arrive, get yourself checked out for any injuries. Then, you should try to document as much of the accident as possible. Write down what you remember and take pictures of the scene.

Report the accident to your insurer as soon as you are able. You will be directed on how to make a claim and on how to submit the information you have collected. An adjuster will be assigned to your case in order to assess any damage and provide you with information on what steps to take next. You may be given suggestions as to which body shop to take your vehicle to for repairs and which medical specialists to follow up with if you have sustained injuries.

Determining Fault in a Multi-Car Accident

It may take some time for an Edmonton car insurance provider to determine fault and liability in a multi-car accident, especially if there are numerous vehicles involved. If one vehicle rear-ended multiple stopped vehicles, then that vehicle will be 100% at fault. However, fault determination can become trickier if some or all of the cars were in motion at the time of the accident. In such cases, your insurance company will use the province’s fault determination rules to assign liability.

If you are found to be at fault, then, depending on the type of policy you have, your insurance premiums will likely increase. Whether you are found to be at fault or not, working with experienced Edmonton auto insurance brokers who have your best interest in mind can make all of the difference.

Car Insurance in Edmonton to Suit Your Needs

You should never be without an Edmonton auto insurance policy that will be able to meet all of your needs in the event that you are involved in a multi-car accident. At MBS Insurance Brokers Ltd. we give you the ability to choose between a variety of different car insurance plans, ensuring that you get exactly the sort of coverage you want. We’ll also help you determine if you are eligible for discounts on car insurance in Edmonton.

If you have any questions, or if you would like a free car insurance quote, then just contact MBS Insurance Brokers Ltd. today.

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.


1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.


2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.


4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.


6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.


7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.