Does Your Insurance Policy Cover You For Accidents Everywhere?

Personal injury lawyers have clients that ask questions regularly about their auto insurance coverage outside of their city, country, province or state. They want to know if their insurance policy covers them in the event of an accident in other areas. Frequent or the occasional road trip into another country, you will want to be aware how far you can go with your insurance so there will not be any nasty little surprises if you are involved in an accident. Ontario requires all drivers to carry at least a minimum amount of liability, while some states do not. In some places, motorists have no minimums, the bad thing is that where it is not required, there is little coverage, if any.

Are You Covered Outside of Your City?

Having insurance on your own vehicle in Ontario should leave you assured that your insurance coverage is still good for your trips outside of the city you purchased it in. If you do have a car accident in another place and you or passengers suffer injuries there are standard policies that you should be aware of.

Standard Ontario Motor Vehicle Policy

If you have insurance policies in Ontario, they contain fixed benefits, or no-fault benefits, that will cover you outside of Ontario, Canada, in the US or on ships between Canadian and US ports if you happen to have an accident in these places. Some accident benefits are covered in the policies such as: income replacement, attendant care, non-earner/caregiver, medical and rehabilitation, death and funeral, expenses for visitors, reimbursements for things such as damaged, personal items and you might receive benefits for home maintenance and housekeeping expenses, it is dependant on how severe your injuries are.

What does it Mean for Ontario Drivers?

If you have a vehicle with insurance coverage in Ontario you receive the listed benefits you are injured in a car accident no matter who is at fault. Additional funds may be available to you if you have purchased optional enhanced accident benefit coverage.

Uninsured Automobile Coverage

If you are involved in an accident, the another driver caused and they do not have insurance, Ontario car insurance policies contain a second protection. It will cover you if you are injured up to the limits of your own liability coverage. However, trying to get it on your own isn’t easy and that is why you need the assistance of an injury lawyer in Richmond Hill.

Family Protection Endorsement

The Ontario motor vehicle policies have a third protection, the family protection endorsement. This provides for your family should they be injured in an accident and the other driver is uninsured.

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