News: Authorities respond to injury pedestrian crash on Elgin Mills Rd in Richmond Hill
RICHMOND HILL, ON - One person suffered serious injuries Tuesday evening as a result of a pedestrian collision on Elgin...
Auto insurance policies are regulated for a particular province. This means that for an out-of-province claim, the rules will differ. In general, it’s wise to check with your insurance claim and understand what type of coverage is offered before you go on a road trip. Find out if you’ll need to buy extra coverage before you travel.
For Ontario residents who have the Ontario Automobile Owner’s Policy, coverage will be provided for incidents that occur in Canada and the USA. This is the policy that most of the drivers in Ontario have.
The Ontario law provides strict guidelines for insurance policies in the area. According to the Ontario law, all policies must:
In most cases, the laws of the jurisdiction in which the auto accident took place will govern the insurance claim. If the case is taken to court, the legal proceedings will have to be done in the state or province where the accident occurred.
The decision to buy travel insurance is a personal one and should depend on the circumstances of your travel. For instance, if you are traveling to the US, keep in mind that the minimum coverage threshold for them is much lower. If you’re involved in an accident with an American driver, their insurance may not be able to cover the costs. That’s when extra coverage may come in handy. Having adequate coverage when you go outside your province can help avoid additional expenses. Discuss the options available with your insurer before leaving for your trip. You should be in a position to get the best insurance coverage for your needs.
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