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Is my US car insurance valid in Canada?

By Compuquotes Team on March 27th, 2008
Auto Insurance

Auto insurance that you hold in the US is often valid in Canada, our friendly neighbor to the north. Whether you drive over the border into Canada or rent a vehicle while you are in Canada, chances are that your insurance policy is valid. Your US driver's license is valid in Canada as long as you are only visiting there and are a resident of the United States.

It's important though to check with your insurance company to ensure that your policy will cover your vehicle in Canada, and if it will cover a rental car in Canada.

When you cross the border into Canada, you will be asked to show your auto insurance proof, which you should be keeping in your vehicle at all times anyway. It's important to note that Canada's driving laws are quite strict, for example, if you are caught driving under the influence of drugs or alcohol, you face exclusion from the country.

Another thing to consider about traveling to Canada and driving is that the road conditions may not be something that you are used to. During the winter seasons, Canada experiences harsh winters and the road conditions can be treacherous, even for the most seasoned of drivers. There is also a lot of wild life that roams freely throughout many of the rural areas in Canada. While elk, moose and deer may be a pretty picture for you to take on the side of the road as part of your vacation album, these animals can cause severe and even fatal collisions on the road.

When you are in Canada, if you are a member of the American Automobile Association (AAA) and you experience some trouble on the road, you can contact the Canadian Automobile Association (CAA) for help. The CAA covers AAA members when they are traveling in Canada. It's a good idea to have their contact information with you on your trip, which you can find by visiting their Web site.

Canada's driving regulations are a little different from those in the United States. If you want to know more about their driving regulations or about auto insurance requirements in Canada, you can contact the Department of Transport, Motor Vehicle Division in any of the Canadian provinces that you will be visiting or you can contact the nearest Canadian consulate, which are located in many large cities in the United States.

Likewise for those Canadians out there, your Canadian auto insurance is valid in the United States and on rental cars, but you should check with your insurance company to ensure that you have appropriate coverage.

It's important to remember that whether you are an American traveling to Canadian soil or a Canadian traveling to the United States, that the laws that govern vehicles and driving are quite different. Insurance requirements are different in each of the two countries, with some major similarities and differences. It's always best to check with your insurance company regarding your personal insurance policy to ensure that you will be covered in the event of a collision or claim that happens while you are on foreign soil.

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