Leaving the province? Take these steps first…
Each province has its own insurance requirements. Your mission before leaving on that next road trip through the States is to make sure you are properly covered on your current policy for the following situations:
• Bodily harm you may cause to another person during a car accident
• Any damage to your car
• Any bodily harm you may have incurred
Increase your liability coverage to the max!
In the States, you can get sued pretty quickly, so it’s a good idea to increase your liability coverage to two million dollars. This should only cost you a few dollars. That way, you’ll be covered for any damage you are legally responsible for. In an accident, this can be damage to a building or house, signage or municipal property, the other person’s vehicle and of course, any bodily harm they have sustained.
Insure your own car fully!
If your car is not that new, chances are you have skimped out on getting collision coverage. You might want to reconsider if you plan to travel often or long out of province because it’s a lot easier to get your car fixed when you have this coverage, espcially in the States. Otherwise, you’ll have to sue the person to get compensation. Talk to your insurance specialist.
Travel insurance is never a bad idea
It’s just good business sense to get travel insurance when you travel abroad, especially if you make a habit of it. Accidents happen, especially when you expect it the least. Travel insurance allows you to cover all those expensive medical costs that might only be partially covered by your provincial health insurance. Look into it, starting here (lien : https://www.clickinsurance.ca/travel-insurance.aspx)
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