🌎 Out of Province Travel: Coverage in the U.S. and Other Provinces 🚗🇨🇦➡️🇺🇸
Planning a road trip across Canada or heading south to the U.S.? It’s important to know how your auto insurance applies once you leave your home province. For drivers in British Columbia and across Canada, your policy does travel with you—but there are key considerations to keep in mind.
⚡ Driving in Other Provinces
- Your ICBC or provincial auto policy extends throughout Canada.
- Liability limits automatically adjust to meet the minimum requirements of the province you’re driving in.
- Claims are handled according to local laws and regulations, which may differ from those in your home province.
🇺🇸 Driving in the United States
- Canadian auto insurance is valid in the U.S., but medical, legal, and damage claims can be significantly higher than in Canada.
- Many experts recommend increasing third-party liability limits to at least $2–$5 million when travelling south of the border.
- Some U.S. states have different claims processes, which can affect timelines and coverage.
📌 Why It Matters
Accidents don’t stop at the border. Without adequate coverage, a collision in another province or in the U.S. could expose you to major financial risk. Optional coverages—such as higher liability limits, collision, and comprehensive—help ensure you’re fully protected.
✅ The Takeaway
Before travelling out of province, review your auto policy. A quick adjustment today could mean peace of mind on the road tomorrow.
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