Does your auto insurance cover you outside Ontario?

Motorists who drive outside of the province or country will wonder if their insurance policies automatically provide coverage when driving in the U.S. and Mexico.

Most basic automobile insurance policies (for Ontario drivers) contain provisions that will cover motorists if they are involved in an accident in another province or in the U.S.

A Standard Ontario Motor Vehicle Policy includes a set of “no-fault” benefits which are available to the insured Ontario motorist if an accident occurs in Ontario, in another province or in the U.S. These no-fault benefits include:

  • Income replacement benefits, non-earner or caregiver benefits
  • Medical/rehabilitation benefits
  • Attendant care benefits
  • Lost educational benefits
  • Death and funeral benefits
  • Expenses of visitors
  • Reimbursement for damaged clothing, glasses and medical devices

Depending on the severity of the injury, potential benefits for housekeeping and home maintenance expenses

In most U.S. states, motorists are not required to carry minimum liability insurance, whereas in Ontario, the minimum liability coverage is $200,000. If you plan on driving in the U.S., you may want to increase your minimum liability coverage.

Fortunately, all Ontario auto insurance policies contain a provision for uninsured automobile coverage, which protects insured Ontario motorists and certain family members to the limit of their own insurance liability coverage in the event that an accident is caused by someone who has no insurance coverage.