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Will my car insurance cover me if I drive across the US border?



Your personal car insurance policy provides protection against liability, bodily injury and property damage if you are involved in an accident in the United States. But what if your travels take you to Canada, Mexico, or beyond? Are you still covered when you cross the US border? The answer depends on the country you are driving to. Yes, if your trip is to Canada. No, if you are driving to Mexico or further afield.

U.S. Car insurance coverage is recognized in Canada

The United States and Canada have mutual laws on car insurance, which means that each country recognizes the other's car insurance. The same car insurance you have in the United States will protect you in Canada with the same coverage and police boundaries.

However, this depends on your status as a tourist. You can stay in Canada for days, weeks or even months without a visa and still have car insurance, but you must leave the country within 1

80 days. If you stay for more than six months, you will lose your tourist status and be considered to be driving illegally in the country, as the current insurance laws will no longer apply to you.

Additional coverage needed in Mexico

If you drive across the border into Mexico, even if your driver's license remains valid, your car insurance will not cover you until you return to the United States. If you are planning such a trip, please contact us to discuss your insurance needs so that we can present your options.

Depending on your insurance provider, Mexico's tourist insurance coverage can help protect you against:

  • Liability for bodily injury and property damage
  • Physical damage to your vehicle
  • Theft or vandalism
  • Medical payments and policyholders 19659009] Medical evacuation after an accident
  • Vehicle loan or rental fee
  • Roadside assistance
  • Legal assistance after a collision

Expect Dif ferent Car insurance Requirements in different Latin American countries

Travelers can take Pan American Highway from Al . When traveling south from Mexico, some countries along the way do not require vehicle insurance for international drivers, while others do. Among those doing so are Costa Rica, Panama, Columbia, Peru and Chile. When car insurance is required, you can in many cases buy it right at the border when you enter the country.

Talk to an experienced agent before traveling across the border

You can drive anywhere in the United States and still have the same coverage under your car insurance. But things can be different if you cross the border into another country. If you are planning a trip to Canada, your car insurance will be valid provided you return to the United States within 180 days. On the other hand, if you are planning to travel south to Mexico or South America, talk to our knowledgeable agent in advance of your trip for help and advice on how to get the coverage you need.


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