Auto insurance tips for visitors

To C anada - The compulsory minimum liability auto insurance in C anada (except for Q uebec) is $200,000 and this amount is available for any one accident. But if a claim involving both bodily injury and property damaged reaches this figure, payment for property damage would be capped at $20,000 in M anitoba, New B runswick, N ewfoundland and Y ukon, and $10,000 elsewhere except in Q uebec.

In Q uebec the minimum liability is $50,000 and is for property damage claims within the province and personal injury and property damage outside of the Q uebec p rovince. The legislation in Q uebec prohibits lawsuits for personal injury from a car accident which occur in the province, as a provincial fund pays for hospital and medical cost. Even a fixed amount for pain and suffering and for loss of income comes from this provincial fund.

Visitors may find it worthwhile to purchase personal accident and sickness insurance from their own insurance agent or broker before visiting Q uebec.

When American visitors come to C anada, having auto insurance is compulsory when driving in C anada. The liability insurance that is required by law will protect you if you cause an accident and injure someone or damage someone’s property.

People from the US can be assured of coverage from their existing auto insurance policy, if the auto insurance company have an agreement with C anadian authorities to provide such coverage. No adjustment to your insurance coverage is necessary. But before leaving for your trip to C anada you should obtain a “Non-Resident Inter-Province Motor Vehicle Liability Insurance Card” from your insurance company.

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This card shows that your auto insurance company has agreed on to provide coverage of not less than the minimum legal requisite in C anada. Keep this card with you at all times, because a police officer could ask you to present it. If you are planning to rent a car in C anada, you will at most times receive the compulsory auto insurance protection with the rental agreement. But you must have a valid drivers licence, of course. If you are an international visitor to C anada having auto insurance is compulsory. The liability insurance that is required by law will protect you if you cause an accident and injure someone or damage someone’s property. Whether you plan to bring your own vehicle, or to purchase or rent one on arrival, you would be wise to obtain an international driver's licence before coming to C anada. Visitors who are planning to bring their own cars to C anada may find it hard to arrange for auto insurance from their country. When you arrive in C anada you should contact an auto insurance agent to go over the most suitable coverage for you and you family.

Just keep in mind that in B ritish C olumbia, M anitoba and S askatchewan, auto insurance is provided by the government programs. If you are planning to live on one of these provinces you have obtain relevant auto insurance information from the provincial authorities before leaving your country.

It could be to your advantage to bring a letter from your former auto insurance company as evidence of your driving and auto insurance record from the past five years. This could help you to a better price when it comes to auto insurance rates and your premium.

The auto insurance you get is valid in the whole of C anada and in America, but if you want to travel further south to M exico, your auto insurance is not valid. You will then have to purchase auto insurance at the point of entry in to M exico.