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A heartwarming Christmas story from Kipp Scott GMC Cadillac Buick

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When Covid regulations took away this local automotive dealership’s ability to host their annual kids Christmas party, they decided to bring Christmas to the kids. Enjoy!

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Kipp Scott GMC Cadillac Buick is a family-owned business that has proudly served Red Deer, and all of Alberta, for over 50 Years since first opening our doors in 1968. Treating our customers with respect has always been our number-one priority, and we believe when it comes to selling vehicles, honesty is the best policy. Rest assured we’ll do everything we can to make sure you leave our dealership 100% satisfied.

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Important Steps You Need To Take Before Hitting The Road

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Passing your driving test and buying a new car is a big milestone and something certainly exciting. However, it also carries great responsibility. You may be aware that there are many road collisions occurring on a daily basis, and your behavior on the road can impact your safety and that of other drivers. There are a few things that you will need to make sure to have in place before getting in your car and going on your journey.

This article will provide you with important steps you need to take before hitting the road so that you are fully prepared before you take off, no matter how experienced you are. 

Have All Your Documents Ready 

When you start driving, there are a few documents you are required to have with you. This will vary from country and location, but the majority of authorities require you to have your full or provisional driving license on you, as well as additional forms of identification. You may also be expected to have confirmation of car insurance and a vehicle safety certificate. You will need to keep these documents safe in the vehicle, as police officers may ask to verify them if you are ever stopped or involved in an accident. You may be penalized with a fine if you do not have these, or in worst-case scenarios, you may be brought into the police station. 

Have Appropriate Insurance 

Insurance is crucial when driving, and you will certainly need to have this before you hit the road. It is against the law to drive without insurance.  Without insurance, you would be responsible to pay for any damages and medical costs associated with the accident. With appropriate coverage, you will not have to worry about this. It can be expensive to insure your car, depending on the experience of the driver, the make of the car, and whether you have previous claims. But there are many companies offering different prices. Make sure to look for top car insurance providers and request a quote, so you know how much to pay. Doing this will help you to compare insurance companies and save money in the process. 

Keep Up With Maintenance Checks 

Every vehicle requires an appropriate inspection by a professional mechanic. During this session, the professional will look at specific things within the vehicle that may jeopardize the safety of the car. This is a vital check as vehicle malfunctions can lead to fatal accidents, even if you are a defensive driver. 

Have Additional Breakdown Coverage

Insurance coverage is not always about car accidents, as vehicles can break down unexpectedly. Not all insurance covers additional breakdown coverage, although this can give you peace of mind. You should most definitely talk to  insurance providers about breakdown coverage. This will increase the costs, which is why many people do not usually add it, but there is nothing worse than breaking down in the middle of the road without having professionals coming to the rescue.

If you are a driver, there are a few things you will always need to keep in mind. Make sure to follow the important steps discussed here before hitting the road as they will help you stay safe and give you peace of mind so you can enjoy your time on the road.

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Alberta

Insurance rate increases absolutely unacceptable: NDP Critic for Service Alberta

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This post was submitted by Jon Carson, NDP MLA for Edmonton-West Henday, Opposition Critic for Service Alberta

Thirty per cent.

That’s how much auto insurance rates skyrocketed by for some Albertans at the end of this year, after Premier Jason Kenney and the UCP removed the five per cent cap on rate increases that our NDP government brought in, taking a “no limit” approach to how much insurance companies could actually raise rates.

The jump was immediate.

Albertans saw a wave of premium increases bordering on price gouging. Over 90% of car insurance companies filed for rate increases as soon as the cap was lifted, and rushed to bill drivers as soon as they could. Of the companies that received approved rate changes, the increases ranged from 4.9 per cent to an eye-popping 29.8 per cent.

It was a nice gift from Jason Kenney, who already slammed families for hundreds of dollars of new costs in his fall budget, including hikes to income tax, property tax, as well as more in school fees, prescription drugs and college tuition.

As usual, Finance Minister Travis Toews trotted out the UCP’s one-trick pony and blamed the NDP, claiming that insurance companies were set to pack their bags and flee the province if he didn’t let them jack up premiums beyond five per cent.

The lobbying effort came out in full force. The brokers, the insurance companies, and the Insurance Bureau of Canada are working overtime to sell quite the sob story: a massive spike in claims costs, not enough options for drivers, etc, etc. It’s tough times for the poor, little ol’ car insurance company.

What a load. These are some of the biggest and most profitable companies in Canada, and they simply want back the power they had to jack up premiums hand over fist.

The truth is that claims costs over the past few years are level, a fact that’s supported by the Insurance Bureau of Canada‘s own data. In fact, an actuarial analysis by Fair Alberta Injury Regulators, an organization made up of concerned Albertans, doctors and legal experts, found that injury payouts have stabilized in the last few years, and even started to dip in 2019. Their actuary specifically found evidence that claims are “not skyrocketing.”

This is further supported by the Alberta Superintendent of Insurance, responsible for all regulatory oversight of insurers operating in Alberta with a specific duty to ensure that insurance companies treat Albertans fairly. In his annual report for 2018, he found on average that the claims ratio for car insurance was 80 per cent across all companies in Alberta. Not the 120 per cent figure the insurance companies trot out on TV.

And while the UCP Government continues to claim they have documents to prove the cap made the car insurance industry unsustainable, they haven’t provided a single piece of paper showing any of these companies would bail if they could–GASP–only raise premiums five per cent every year.

So why remove the cap? Well, in politics, it’s who you know. And Jason Kenney knows an awful lot of people in the insurance industry. Namely, his former chief of staff and campaign director Nick Koolsbergen, who was hired to lobby the Premier on behalf of the car insurance industry just last year. He has Kenney’s cell phone number.

Sounds like a good guy to have on your side… if you’re a car insurance company.

The fact is, these companies turn a profit of tens of millions of dollars each year. They’re used to having carte blanche in Alberta, and they want it back.

Under the thinly-veiled guise of “red tape reduction”, the UCP has struck a panel looking at more regulatory changes that the insurance lobby itself has said “could also change the rate regulation framework that governs how insurers set premiums.”

If costs are going to go up even more, who will Jason Kenney look out for? His friends and interests in big insurance? Or everyday Albertans driving to work?

Knowing Jason Kenney, Albertans should brace for impact.

Jon Carson is the MLA for Edmonton-West Henday and the Alberta NDP Opposition Critic for Service Alberta.

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