Canada Insurance

[widebmw]

This is for us going into Canada.
Every year when I go into Canada I call my insurance agent and he sends me a
Canada Non Resident Inter Province Motor Vehicle Liability Insurance Card.

I called my insurance agent today and the girl who answered said that as of last month we do not need them anymore. You just use the same insurance card that you use in the US.

I had my doubts but I called the DMV in Vancover, BC they said I don't need the additional Canadian card.

I still have my doubts, is it true ?
Are you sure?

[32232]

The only thing you need to do is check with your own insurer and make sure your coverage is valid outside the US. Most Canadian provinces require much higher liability coverage than a lot of states. The only way that will likely turn up to the officials is if you are in fact involved in an accident, but that's not the way you want it to come to light.

[GlobalRider]

I called my insurance agent today and the girl who answered said that as of last month we do not need them anymore. You just use the same insurance card that you use in the US.

Thats what we do. We use the same insurance card. Look at the finer print.

Mine states:
Canada Inter-Province applicable within Canada and the United States of America.

[GlobalRider]

Most Canadian provinces require much higher liability coverage than a lot of states.

Check the minimum requirements for each province here...
Car Insurance Where You Live

They should just be done with it and have the same minimum for all of North America.

[sjbmw]

If it's true, that is good news, and it is really new(s).

Used to be you would need the card to state the days traveling in Canada, my most recent one is for the whole year. I have Foremost.
My US card makes no mention of foreign soil.

The best thing to do is to call your insurance company, and ask them if they heard of this change. If not, get the card.
Toronto police gave me a hard time about that card once, threatened to tow my car away until I could produce it.

[RINTY]

John:

There are two aspects to the insurance issue: compliance with local law, and ensuring you have adequate coverage. The latter involves reviewing your policy and obtaining the advice of your agent as to whether you are covered in all the Canadian provinces.

The former involves satisfying a police officer if you are stopped for some reason. In my province you will be asked to provide proof that you have a current drivers' licence, that your vehicle has insurance, and that it has a current registration. If you have the insurance card with you, I don't think any peace officer is going to question the extent of your coverage; they're just not trained to make that analysis.

Rinty

[BIGDELTA]

Check the minimum requirements for each province here...
Car Insurance Where You Live

They should just be done with it and have the same minimum for all of North America.

some states don't require m/c insurance,Florida being 1 of them.

[Rasbutan]

some states don't require m/c insurance,Florida being 1 of them.

Same for Wisconsin.

BUT!!!!

A lot of states do require that you have insurance while traveling thru, regardless of vehicle type.

[GlobalRider]

Some states don't require m/c insurance, Florida being 1 of them.

So what happens when one Florida motorcyclist runs into another Florida motorcyclist...and neither of them have insurance?

Who covers your medical expenses and damages to the motorcycle...or do you just pull out a six shooter and give them an incentive to do so?

[BIGDELTA]

So what happens when one Florida motorcyclist runs into another Florida motorcyclist...and neither of them have insurance?

Who covers your medical expenses and damages to the motorcycle...or do you just pull out a six shooter and give them an incentive to do so?

that you knew everything.
1-I guess when 1 bike runs into another,the police are called just like any other vehicular accident and the court decides.
2-see #1
2a-about what I expected from you.

[GlobalRider]

that you knew everything.
1-I guess when 1 bike runs into another,the police are called just like any other vehicular accident and the court decides.
2-see #1
2a-about what I expected from you.

Tone? I didn't know there was an audio option on this forum, but thanks for the info.

Court? And what if the driver at fault doesn't have two pennies to rub together?

[RIDERR1150GSADV]

Living in FL, I carry uninsured motorist insurance for that reason as so many morons don't have insurance....
Florida is a no-fault State also......

[BIGDELTA]

Tone? I didn't know there was an audio option on this forum, but thanks for the info.

Court? And what if the driver at fault doesn't have two pennies to rub together?

Understand?

[BIGDELTA]

Living in FL, I carry uninsured motorist insurance for that reason as so many morons don't have insurance....
Florida is a no-fault State also......

but I've been reading the state may drop the no-fault soon.Hopefully.

[TED]

Recently returned from Canada - I called GEICO before I left and asked for the yellow card as I have done many times before, they put it in the mail but I did not receive it in time. I asked the GEICO rep about going without, she told me just carry the GEICO card with the limits on it (100/500/100) and I would be fine.

As for two uninsured motorcyclists running into each other, I am sure they would do as any good red-blooded Americans would do with contested civil liability --- hire a lawyer and sue each other.

(And just a plug to elect for underinsured/uninsured coverage should your insurance offer it, it is critical to have.)