We have the experience and knowledge to help you get the compensation you deserve
Granted, a cross border injury lawyer isn’t the first thing Canadian “snowbirds” think about when flocking south on vacation in winter months. However, when circumstances call for lawyers for Canadians injured in Florida, sun seekers are better off when they’re prepared. Should you need cross border personal injury lawyers for Canadians in Florida, call Liudmyla Khodorovsky at 786-224-0067. Working at MG Law’s Miami office, she can help with all motor vehicle accident intakes in the area.
According to a 2017 study by the Insurance Research Council (IRC), Florida has more uninsured drivers than any other U.S. state. Additionally, the Florida Department of Highway Safety and Motor Vehicles found that in 2017, most car accidents took place from October to March, the same period in which snowbirds visit the state. Whether you’re driving to the beach, visiting a theme park or heading out for dinner, Canadian car accidents in the USA can take place any place and any time.
Tarnishing your vacation in an instant, experiencing a car accident is always overwhelming. That feeling is multiplied tenfold in a different country. When emotions are running high, prior knowledge can provide some peace of mind. Before you hit the road, here are a few things you need to know about cross border law and insurance coverage.
Yes. Ontario residents get coverage when they are visiting/travelling to the United States. Double check with your insurance broker before crossing the border to ensure you have the exact details of your coverage.
Yes. What most people don’t think of is that some major credit cards offer excellent cross border insurance. You should give them a call before you travel to inform them if you plan to use your card out of province. Be sure to ask about what insurance plans they offer to know all your options.
Yes, but it depends on the policy. Some policies don’t have the exact same coverage in Canada and the US. If you do purchase insurance from the rental office, make sure you know what you are buying. Collision coverage may help you pay for any damage to a vehicle, but may not protect you from hospital bills. Also, some rentals can deny certain claims, so read the details before you sign to ensure you aren’t stuck with coverage that may or may not be applicable to you
While the minimum policy limit is $200,000 of third party liability in the event of an accident in Ontario, it is most commonly set at $1,000,000 to accommodate any expenses. In The US though, it can be as low as $10,000 in specific states. Luckily, this drastic difference in coverage won’t affect you if you’re on vacation. You are still able to access your own Canadian insurance benefits through your own insurance company.
If you are hurt while in the US, but live in Ontario or receive medical treatment in the province, then your insurance applies to your claim. However, before jurisdiction can be determined, the court will need to decide what is best for all parties involved, including the severity of any injured parties, as well as the residence of any witnesses. Your Ontario insurance company may even ask you to make a choice between Ontario Statutory Accident Benefits and the benefits available in the state you had your accident.
As you may have already guessed, cross border accidents can be complicated. It’s always recommended you find experienced car accident lawyers for Canadians in the U.S.. They will go over your options with you but here’s what you need to get started!
After being involved in an accident, here are some basic steps you should know.
Providing the police with accurate statements reflects positively on your case going forward. With the accident still fresh in your mind, be sure to tell your side of things as
soon as you can.
Find any witnesses nearby and collect their contact information along with anyone else involved in the accident. This information will be useful if the police, insurance company, or court ask for it.
It’s important to have your doctor’s evaluation of any injuries, potential recovery time, as well as any recommended rehabilitation that will be required.
Contact your insurance company to inform them of your accident. This helps establish an accurate timeline and makes it easier to see updates when potentially reviewed in court.
Notifying your employer and school allows them to support your case as to how much work or how many days of class you are missing as a result of the accident.
The people helping you with your treatment, as well as short-term or long-term recovery will be a valuable resource in proving your diagnosis to insurance companies, police
and the court.
You may have your own insurance company’s details on hand, but if there is more than one involved, you’ll want their contact information too. Any correspondence between insurance companies should be recorded if possible (phone, email, etc.).
The team at MG Law has offices across North America and we take pride in being there for our clients. Our Miami car accident lawyers for Canadians have the knowledge and experience to help you understand your rights and options. Therefore, you can make informed decisions.
When you’re far from home, being involved in a personal injury case can be very overwhelming. MG Law’s cross border injury lawyers are here to help. We will work hard to help you get the results you deserve. Put us in your corner to see what a difference we can make
Accidents can happen anywhere, so let us help make sure you get the results you deserve. If you’ve been involved in a serious accident and your circumstances call for a lawyer for a Canadian injured in Florida, give us a call at 786-224-0067!
Please note that we do not practice law in the United States. We only represent Ontario residents who were injured in Florida. Our Miami office is accessible by appointment only. Call us today!