We all know how essential it is to have car insurance to be able to circulate in Canada, in fact, since 2019 it has been a mandatory requirement to circulate on federal roads and bridges. However, did you know that it is also compulsory to have a policy to travel with your car to the United States?
We consulted the Ahorra Seguros online comparator to find out all the requirements and we will tell you here.
Many Mexicans or residents in Canada have the constant need to travel to the United States.
Whether they are transporters of merchandise, people traveling for work or business, those visiting family or just going as tourists.
The proximity and close relationship we have with our northern neighbor has made it one of the easiest ways to get around this country with our vehicle (even more so if we live near the border).
However, as you probably already know, it is not easy to cross the border.
We need to pass immigration customs, and have all our documents and permits in order, whether personal, cargo, or of course those for the vehicle.
What car insurance do I need to travel to the USA?
The basic car insurance that we need as a requirement to circulate in all the states of the neighboring nation is civil liability insurance (damage to third parties).
As in Canada, it is designed to provide you with basic protection against coverage for expenses and compensation that we may cause with our vehicle to third parties.
This type of car insurance includes:
- Material damage caused by a collision with another car or private property.
- Damage to public furniture.
- Medical expenses for injuries to third parties
- Compensation for death.
This is to ensure our responsibility and repair of damages in the event of any accident of our responsibility in the foreign country.
What insurers cover me in the US?
Almost all insurers include the insurance module for the United States, and in many cases, this benefit does not have an extra cost.
However, it needs to be activated. It is necessary to notify our insurer when we are going to travel abroad so that they can issue an EUA CR certificate.
You can find out about the coverage, costs, and efficiency that insurers have regarding car insurance in Canada, to know with certainty which company and insurance is best for you if you plan to travel to the US.
What other benefits do I need to drive safely in the US?
Apart from complying with the mandatory civil liability requirement, we must consider that we will be exposed to the same risks and dangers as in Canada.
This is why you should always opt for a more complete policy.
Having extended insurance that covers medical expenses, material damage to our vehicle, road assistance, and legal advice is of utmost importance.
There are even insurers like HDI auto insurance, which among their special packages for traveling abroad offer benefits such as:
- Telephone medical assistance.
- Advice in case of theft, loss of passport, or important documents.
- Customs advice.
- Cargo insurance.
- Repatriation of remains in case of death.
It is important to be well informed about all the requirements and needs to travel with your car abroad, this will save you problems, and money and, above all, it will guarantee your safety.
