What you should know before driving abroad
No one wants to have an accident, but imagine if it happens while traveling. Fortunately, by adjusting your auto insurance coverage you can leave with peace of mind.
You are planning a trip abroad and you think you have everything prepared.
However, have you thought about your car insurance? Whether you're leaving for just a few days or for an extended period, here are some good questions to ask yourself before you go.
Do you plan to leave the province with the car? 1
If the answer is yes, it is important to revise the amount of your liability insurance upwards. In Quebec, a victim of bodily injury applies directly to the Société de l'assurance automobile du Québec (SAAQ). But abroad, the victim could take legal action against you in court. With an additional and reasonable premium, your liability insurance limit could reach up to $ 2 million. The $ 2 million in your civil liability could, however, allow you to cover the amounts requested in lawsuit for damages caused to others.
Does your insurance policy cover your vehicle against collision?
If you have an accident outside the country, it will be much easier for you to file a claim with your insurer than to sue the person responsible for the accident yourself in the event of a collision. Thus, by having collision protection, you will save yourself a lot of worries.
Are you thinking of renting a vehicle out of the province or in the United States?
If you rent a vehicle in Canada or the United States, ask your insurer for the FAQ 27 rider. This protection is intended to cover the damage that you could cause to a vehicle that does not belong to you, such as a vehicle. rented or borrowed. Note that this protection is included in our Automax package. Since your insurance policy covers you in Canada and the United States, if you rent a vehicle in another country, it is recommended that you take out the full insurance offered by the rental car company. Some credit cards and travel insurance sometimes provide such coverage.
Take these documents when traveling with you:
Proof of auto insurance;
Registration certificate;
Driver's license (some countries may require an international driver's license);
Copy of the FAQ 27 rider.
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