Are you planning a trip across either the northern or the southern borders of the United States sometime this summer? If so, there are some important things you need to know about car insurance. For starters, make sure you have enough protection in place so that you are covered no matter where you drive.
If you are driving north of the border into Canada, the insurance situation is very easy to deal with. If you’re going south to Mexico, things are not so easy. Nevertheless, regardless of where you are traveling to you can get cheap car insurance to fulfill the law, even if you are driving a rental car.
Driving in Canada
American visitors to Canada will be pleased to know that our two countries have a reciprocal agreement when it comes to car insurance. This means tourists from either country do not need a separate car insurance policy to drive across the border. Your current policy will do just fine.
This only applies to tourists and certain foreigners with specific types of visas, by the way. If you are a visitor, you have up to 180 days to continue driving before you have to obtain Canadian car insurance or return home. Since most of us will never be visiting Canada for that long, it’s a non-issue.check more reviews on this link.
However, if you do plan on being in the country, longer you might contact your current car insurance company to see if they can help you with Canadian policy. They might be able to add simply a rider that fills Canadian law without having to create a new policy from scratch.
Also, remember that whatever limits your insurance has in the United States also apply in Canada. For example, if you only carry $50,000 worth of liability, that’s all you’ll be covered for in Canada, regardless of the cost of any accident you might have.
Driving in Mexico
Unlike Canada, the United States does not have a reciprocal agreement with Mexico. That means your U.S. car insurance is no good south of the border. This is true whether you are driving deep into the country for a week or just crossing the border for a couple of hours in Tijuana. And make no mistake; the Mexican government is dead serious about insurance laws.
In Mexico, every traffic accident is automatically considered a criminal matter is pending the outcome of an investigation. If the investigation revealed that you do not have valid Mexican car insurance, it is quite likely you are looking at jail time. Driving in Mexico without insurance is not a smart thing to do.
Fortunately, it is easy to get cheap car insurance before driving south to the border. If you are planning your trip well in advance, contact your current insurance company and see if they are licensed to offer policies in Mexico. If not, there are some specialist car insurance companies you can find on the Internet.
If you’re taking a spur of the moment trip for which you did not plan, there are Mexican car insurance companies in most border crossing towns. Just be sure of one thing if you go this route: get your documents printed in both Spanish and English. You need to know exactly what your policy covers before you cross the border.more detailed information found at http://www.newsinsurances.co.uk/end-of-the-road-for-cheap-car-insurance/0169494249
Car insurance is a fact of life no matter where it is you drive your car. There’s no point in getting upset about it. Instead, take the time to know the laws before you go. If you need to buy temporary car insurance, find the best deal, you can and get on with it.