Short answer, yes.
Each year, hundreds of thousands of Canadians head south to the U.S, and many of them take their cars. But one question many Canadians have about driving to the U.S. is if their insurance will cover them in the event of an accident outside of Canada. In most cases, Canadian car insurance companies do cover trips into the U.S. However, there are some things you will want to check about your policy before you go.
Before you head over the border, here are some things you should do to ensure you’re adequately covered.
Review Your Liability Limit
The third-party liability coverage on your insurance policy is there to cover your costs in case you’re held legally liable for damages to someone else’s property or injuries that someone incurred as a result of a collision. You will want enough insurance to cover those legal fees.
Don’t Go Too Far South
For the most part, Canadian insurance companies will not cover you if you take your car into Mexico. If you want a car while in Mexico, consider flying there and then renting one.
Protect Your Family
If you’re travelling with other members of your family, consider getting a family protection endorsement. This is because American drivers aren’t required to have as high of liability limits as Canadians are, meaning their insurance companies won’t always cover someone’s injuries or damages if they exceed the policy limit. You might already have this coverage by default but check your policy to make sure before you hit the road.
Not Coming Back?
If you’re moving to the U.S. permanently, you’ll need to get a new U.S.-based insurance policy. Even if you’re still a Canadian citizen, most insurance companies will only cover Canadians residing in US.
To learn more about how you can save money on your auto insurance premium, contact an experienced member of the Bow Valley Insurance team today for a free, no obligation quote.
Talk To Your Broker
Your insurance broker is going to be able to determine what amount of insurance coverage is adequate for your trip to the U.S. They will also be able to help you navigate any rate changes if you spend a lot of time in the U.S.