Whether venturing into another province, or crossing into the U.S., your current vehicle policy is likely to cover you for a wide range of areas. That being said, it is still highly important that you review all of the specific of your current insurance coverage, in order to determine if you are well protected.

One key area to identify is whether your car insurance has certain restrictions, such as only covering you for a certain period of time. If, for example you will be driving in the U.S. for an extended period of time, check your policy for these specific timeframes for travel.

Additionally, there may be some other limitations that could impact your coverage, depending on where you will be driving. It is always best to inquire about this with your trusted insurance agent to make sure you are fully covered for the exact trip itinerary you have planned for.

Perhaps the biggest factor to keep in mind here is that when travelling south of the border, you may want to heavily consider extending your coverage. The reason for this is that while your current coverage may be sufficient when it comes to driving in Canada, it may not be enough to offset the higher insurance payouts that are typically seen in the U.S.

For example, if you are driving in the states and are involved in an accident, you may be found liable for injury or damage to another driver and their vehicle. In this instance, you will definitely benefit from increasing the limit of your Third Party Liability insurance.

Another circumstance to consider is if you or a family member are the ones injured in a collision stateside. As a result, you may want to add on more coverage such as, Family Protection coverage and even additional Collision insurance to your policy to make sure you have enough insurance in place to meet any potential medical costs and repairs that may be required.

Should you find yourself in either of these situations, you will ultimately want to ensure you won’t have to pay these potentially steep costs straight out of your own pocket. To help alleviate this added worry, it is well worth discussing your options with your insurance agent so that you can review your current vehicle insurance policy as well as any additional areas of coverage that might apply to your specific cross-border travel needs.

Ultimately, when driving outside of BC, it can’t be stressed enough that you will want to revisit your current car insurance policy. While it is true that your Canadian policy does typically travel with you, the reality is it may not be enough to cover you to the same extend by the time you make your way onto U.S. roadways.

To help provide some extra peace of mind, it is best to take the time to reach out to your insurance agent. That way you will be able to enjoy your upcoming driving adventures to the fullest.

At Leaders Insurance, we look forward to connecting with you to go over the finer details of your current vehicle policy, as well as to ensure you are properly covered for all of your out-of- province road trip needs.