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FAQ: Traveling With Auto Insurance Coverage
Is my U.S. auto insurance coverage valid in Canada?
Ah Canada, our friendly neighbor to the north. With it’s beautiful scenery and amiable inhabitants, it’s no wonder you’ve made it your destination this vacation. Whether you drive your own car over the border, or rent one when you arrive, your American auto insurance coverage typically covers driving in Canada. Of course, it’s always wise to check you personal policy just to make sure. U.S. driver’s licenses are also valid in Canada, provided you’re a resident of the U.S. and just visiting Canada.
When you cross the border, you’ll be asked to show proof of your auto insurance coverage (which you should always keep with you when driving). Don’t let Canada’s friendliness fool you; the country’s driving laws are, in fact, quite strict. If caught driving under the influence, you face exclusion from the country.
For those of you accustomed to city streets and snow-free winters, be advised that Canada often experiences harsh winters that can make road conditions treacherous for unseasoned drivers. In addition, Canada has an abundance of wildlife that roams freely throughout many rural areas of the country. While spotting an elk on the side of the road may complete your vacation photo album, creatures like these can also be the cause of severe and sometimes fatal accidents.
If you do run into any kind of trouble on the road and are a member of the American Automobile Association (AAA), you can contact the Canadian Automobile Association (CAA). The CAA covers AAA members while they're traveling in Canada. Visit their Web site for contact information before you embark on your journey.
If you have any questions concerning auto insurance or other driving regulations in the Canadian provinces, contact the Department of Transport, Motor Vehicle Division of the province(s) you will be visiting or the nearest Canadian consulate. Canadian consular offices are located in many large American cities and can answer your auto insurance and driving regulation questions. See Canada by Car in our Esurance Insights section for more information on car insurance and driving issues in Canada.
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