Ottawa Driver Travelling by Car in The U.S.?

We had a fabulous trip this summer, driving to Florida and then back along the Eastern United States.   Before we went, we did what all Ontarians should do before a US driving trip.  We called our auto insurer to check our insurance coverage.  Yes, it sounds a little uptight.  But if you ever needed it…

Most people don’t realize that their own policy’s liability limits protect them in the event of an uninsured motorist, an unidentified motorist, or an under-insured motorist is involved in an accident.  This is very important if you travel to the United Statesbecause many states have very low minimum liability limits.  For example, there are a number ofU.S.states where you only need to carry $15,000.00 in liability insurance!  That means that if you were struck by a vehicle carrying only $15,000.00 in liability insurance and you had a very serious accident involving you and perhaps others in your family, absent your own insurance policy, $15,000.00 would be all there would be.  Fortunately, in Ontario, our minimum policy limits are $200,000.00.  Virtually all Ontarians carry at least $1,000,000.00 but those who can should carry $2,000,000.00 or more to protect their own family.   That way, if you are involved in a serious accident, your own insurance policy is there as a backstop.

About the Author: Brenda Hollingsworth

Brenda Hollingsworth co-founded Ottawa’s Auger Hollingsworth in 2005 with her husband Richard Auger. Together, their mission was to create a personal injury law firm for Eastern Ontario that is unrivalled in the province for customer service and legal expertise. Brenda was named an Ottawa Business Journal Forty Under 40 award recipient and took home the Women’s Business Network’s Businesswoman of the Year award in the Professional category. She was also recognized as one of Ottawa Life Magazine’s “Top 50 People in the Capital.” She is often quoted as an expert and has appeared in media outlets such as CTV, The Globe and Mail, National Post, Ottawa Citizen, Sun Media, CBC, Toronto Star, Montreal Gazette, CFRA and many legal publications.

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