Might want to increase insurance coverage. From
https://driving.ca/features/insurance/car-insurance-travel-out-of-province-or-us
Though purchasing extra car insurance isn’t necessary for travel across Canada and the U.S., you may have gaps in coverage that can expose you to dire financial risks.
First, you should consider increasing your
third-party liability insurance. While each province requires drivers to carry a minimum level of coverage, the threshold is usually low. For example, in Ontario, the minimum amount required by law is $200,000. This could prove insufficient if you’re involved in a collision in the U.S., where insurance payouts are typically higher. If the court decides you’re responsible and issues a judgment against you for $500,000, and your car insurance will cover only $200,000, you’ll be on the hook for the remaining $300,000. For this reason, most insurance providers recommend obtaining third-party liability coverage between $1 million and $2 million.
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Second, determine if adding
family protection coverage to your policy is worthwhile. This optional coverage (or endorsement) protects you and eligible family members from underinsured or uninsured drivers. It’s especially beneficial if you’re planning to visit somewhere like
New Hampshire, where drivers aren’t required to have car insurance.
For example, let’s say you sustain severe injuries in an accident for which the other driver is found responsible. However, their maximum liability coverage isn’t enough to cover your medical bills. In that scenario, your family protection coverage would kick in to cover the shortfall (up to the specified limit in your policy).
Some provinces, like Ontario and B.C., mandate a minimum level of compensation for drivers who incur
injuries or damages from underinsured or uninsured drivers. So, your existing car insurance policy may already offer the protection you need. Still, the maximum coverage you’re eligible for may prove inadequate in some cases, so consider adding the family protection endorsement to your policy to enhance your
