No matter what time of year you’re planning to drive into the States, it’s important to have peace of mind. Do you need travel insurance? What happens if you get in an accident while on vacation? 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 a lawyer you trust to go over your options with you. 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.
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.
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 need a lawyer with cross border experience, give us a call at +1 786-224-0067!
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!
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