subject: Find Out If Your Car Insurance Valid In The Us [print this page] This question is frequently asked by Canadians and therefore needs more explanation. In general, the answer is positive, however it has some nuances. They will be highlighted later in this article. The general statement is: If you obtained your car insurance in Canada it will cover you in the United States. All you have to do is to show a proof of your car insurance policy while entering the country of visit.
Since this statement is too sweeping it's always wise to ask your car insurance provider in Canada for more specific details. It's important you take these things into consideration when you're planning a journey to the US. The fact is that whenever you think that everything is taken care of, eventually it may not turn out to be so. Here are the major things which must be checked before you start your journey.
To begin with, pay attention to the declaration form which is the supplement to your car insurance policy. In should be checked in the first place. Why is it important? The declaration form bears the list of regions where your car insurance will be accepted. That is to say, your car insurance policy obtained in Canada may not be applicable everywhere in the States. So, as soon as you itinerary planning is done you must check if you're covered throughout your rout up to your final destination. In case you still have questions feel free to contact your insurance company in Canada. It's always better to be on the safe side than be uncertain and get into trouble in the end.
Second important thing you have to figure out is the liability limits set by the state you're going to travel to. The thing is that each state in the US defines its own liability limits. So does each province in Canada. To make it clear, imagine yourself driving from Toronto to New York. As a citizen of Toronto you've got car insurance which predetermines bodily injury liability limit of $35,000. In New York it's different though.
So if you were involved in an accident in New York where the minimum is $50,000 you would have to pay the difference out of your own pocket. It's definitely not beneficial for you! Therefore, to eliminate financial risk you might come across while travelling it's advisable you define the amount of liability you will need. That way, you will be protected in the country you are going to.
And finally, if you make trips to the United States on the regular basis it's advisable you become a member of the Canadian Automobile Association. It gives you extra protection while travelling in the US. Being in close collaboration with American Automobile Association it can give you some valuable assistance whenever you may need it. For more information you can visit their web-page.
by: Sherry Moore
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