If you live in Milford, CT, going on a road trip to Canada is an amazing way to spend your vacation. But will your auto insurance policy cover you while you’re there? White Oak Insurance LLC is happy to assist with all your queries.
Here’s what you need to know before crossing the border:
Your Domestic Policy
If you have a standard auto insurance policy, chances are it won’t cover you for anything that happens outside of the United States and its territories. However, if your policy does include coverage for Canada, it typically only applies to Ontario and Quebec. If you plan to drive through other provinces, like British Columbia or Alberta, you will most likely need additional coverage.
Rental Car Coverage
If you’re renting a car while in Canada, your domestic auto insurance may not cover the rental vehicle either. That said, some credit cards offer secondary coverage for rental cars when they are used overseas, including in Canada. If something happens while driving the rental car and your primary insurance doesn’t cover it, your credit card company could pick up the tab instead. It is important to check with both your insurer and credit card provider before leaving to ensure that all of your bases are covered.
Canadian Auto Insurance Policies
If neither of these options appeals to you, then another option would be to buy an auto insurance policy from a Canadian insurance provider specifically for your trip. White Oak Insurance LLC can help you find the right policy for your needs before you leave Milford CT. Still confused? Contact us today, and we’ll answer all your questions.