CHECK YOUR CAR INSURANCE COVERAGE BEFORE DRIVING SOMEONE ELSE’S CAR

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CHECK YOUR CAR INSURANCE COVERAGE BEFORE DRIVING SOMEONE ELSE’S CAR

Before you go on any trip that will take you out of the country, double check with your isure representatives to make sure you have the right coverage.  Your Canadian driver’s licence is legal in the U.S. However, if you’re driving your car across the border, your Canadian car insurance coverage may not be valid. This means you may need to buy additional short-term auto insurance policy for your car. The U.S. has a significantly higher rate of uninsured motorists than Canada, at 12.6%. If your vehicle does not have uninsured motorist coverage, it might be a smart choice to pick up additional protection before you cross the border.

In Ontario, the minimum coverage for civil liability is $200,000 and its valid anywhere in Canada or the United States. However, it’s recommended that you carry up to $2 million when travelling south of the border because of the higher risk of lawsuits following an accident.