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Dear Road Warrior:
No need to be a worrier -- you can hit the road knowing that, as long as you are insured in Canada -- in any province -- and you are driving your own car, you're covered anywhere in the U.S.
The only problem you might have -- other than trying to make those Canuck dollars go a little further -- would be the inconvenience of having to settle an insurance claim long-distance.
Generally, your insurance company would appoint an independent adjuster who lives in the area where you had the accident to settle your claim; only rarely would a company try to use its own staff to settle a U.S. claim, unless it is one that writes auto insurance in both countries. If that is the case, you may already have instructions from your company as to whom you should contact in the event of a U.S. accident. Check your pink insurance liability slip as well -- some insurance companies print claims instructions on the back.
You are under no obligation to inform your insurance provider that you're U.S.-bound. However, it's a good idea to check with your agent or broker before you leave, to find out how your insurer deals with accidents in the U.S. After all, being involved in a mishap is a bad enough experience, let alone not knowing where to turn when it happens.
So you're all set for your American adventure. But should you get a hankering to go overseas or Mexico, don't assume the same advice holds true. Driving in countries other than the U.S. makes a world of difference, insurance-wise. Check with your insurance provider and travel agent.
Note: The preceding information is based on the Insurance Bureau of Canada's guideline wordings. Remember, policies vary, so when in doubt, consult your insurance representative.
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