Does My Ontario Car Insurance Cover Me in the USA?

USA Travel
Does My Ontario Car Insurance Cover Me in the USA?

Does My Ontario Car Insurance Cover Me in the USA?

When you’re travelling outside Ontario you may wonder if your Ontario auto insurance policy automatically covers you for damage to your vehicle, and more importantly, personal injury.

The short answer is Yes.  The standard automobile insurance policy in Ontario carries provisions that will cover you when you are involved in an accident in another province or in the United States.

A Standard Ontario Automobile policy includes a set of no-fault benefits which are available to the insured Ontario motorist if an accident occurs in Ontario, in another province or in the United States.  More information on the standard accident benefits coverage can be found here.  You have the option of purchasing enhanced accident benefit coverage, which will increase the limits of support available under this coverage.

In most places in the USA, citizens are not required to carry a minimum amount of liability insurance are you are required to do in Ontario. You may want to consider increasing your liability to $2,000,000 if you are a frequent traveler.

Insurance policies in Ontario contain a provision for uninsured automobile which protects you and family members if you find yourself in an accident is caused by someone who is not carrying their own insurance coverage.

If you are renting a vehicle while travelling in the USA, the liability coverage from your Ontario Auto policy will cover you.  However collision and comprehensive coverage will not automatically extend unless you purchase a non-owned automobile endorsement with an appropriate limit.  Ensure you policy has this coverage before you rent a vehicle, it is must more cost effective to carry this endorsement than to purchase the damage coverage available at the rental car company.

If you’re unsure about your insurance coverage when travelling in the USA or anywhere else in the world, call the Billyard Insurance Group for advice to be sure you are properly protected.  You can begin an on-line insurance quote by clicking here or call us directly at 1-855-843-1570.

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