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Does your insurance policy cover you for accidents outside Ontario?

Summer vacation road trips are a great way to bond as a family and experience the size and diversity of North America. With just a few weeks left before the end of the school year, it’s time to start planning your route and deciding what to see and where to stay. Before you embark on your trip, you should take the time to consider what sort of coverage your auto insurance policy provides in different North American jurisdictions – if necessary, an auto insurance lawyer can help you understand your policy and suggest purchasing additional coverage.

The Standard Ontario Motor Vehicle Policy contains safeguards for car accidents outside of Ontario, including no-fault benefits for insured Ontarian motorists. These include benefits for income replacement benefits, attendant care benefits, lost education benefits, and death and funeral benefits. They may also cover visitors’ expenses, reimbursement for damaged medical devices, glasses and clothing, and in some cases benefits for housekeeping and home maintenance. An auto insurance lawyer can explain the scope of these benefits more fully.

If you plan on heading to the United States this summer, it’s important to understand that motor vehicle insurance policies are quite different south of the border. For instance, motorists in Ontario are required to carry at least $200,000 in liability coverage; most states have no minimum, and as such many motorists have limited coverage. This can cause significant issues for uninsured accident victims.

Many Ontario auto insurance policies include “Uninsured Automobile Coverage,” which can be useful when driving in the United States. The stipulation ensures that Ontario drivers are protected up to the limits of their policy’s liability coverage when involved in a collision with an uninsured driver. If you’re concerned that your needs may not be met, consider purchasing additional, enhanced accident benefits coverage prior to your trip.

Finally, the Family Protection Endorsement extends insurance coverage to some Ontario motorists’ family members if they are involved in an accident outside of Ontario. Once again, an auto insurance lawyer may suggest purchasing additional benefits if a family member is traveling to the States.

While insurance coverage rules vary by jurisdiction, most Ontario auto insurance policies do a good job of protecting Ontarians driving outside the province. If you’re planning an outside-Ontario trip, make sure to review your policy and, if necessary, talk to an auto insurance lawyer to ensure peace of mind on the road.

The personal injury lawyers at Will Davidson LLP have been protecting Ontarians for decades. If you’ve been injured in a car accident, contact the team at Will Davidson today to book a free, no-obligation consultation.


Image credit: Clotee Pridgen Allochuku/Wikimedia Commons

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