Canadian Auto Insurance in the USA

The general statement is: If you’re a resident of Canada your car insurance will cover you in the United States. Obviously, you will need 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. Be thoughtful about these things when you’re planning to embark on your journey. Because whenever you think that everything is covered, eventually it may not turn out to be so. Here are the major things which must be cheeked before you start your journey.

The first thing that must be checked is the declaration form which is the supplement to your car insurance policy. Why is it important? The declaration form bears the list of regions which accept your car insurance. In other words, your car insurance policy purchased 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. In case you still have questions don’t hesitate to call 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.

Next important thing to check 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 Canada, more specifically of Toronto you’ve purchased 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 cover the difference out of your own pocket. It’s definitely not beneficial for you! In order to eliminate financial risk you might face while travelling it’s advisable you figure out the amount of liability you will need to be protected in the place you are going to.

And one more thing, if you often travel to the United States 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 help whenever you may need it. For more information you can visit their web-page.

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