BC insurance Law

P

Pat Anderson

New member
I saw this article last month in our local paper, The Northern Light. The article I think meant to say "switching to a no fault system" rather than "switching to a fault system." It basically says that if a U.S. driver it involved in a collision in B.C with an at-fault B.C. driver, the U.S. driver cannot make a claim against the Canadian's insurance and is basically left with his or her own U.S. insurance to cover any property damage or injury. Does anybody know anything for sure about this? It certainly could discourage me from driving in Canada.
 
Don't know about that, but I've always gotten a "Canadian Insurance Card" from my US Provider, before driving into Canada. I'm guessing that our insurance carriers are aware of what's required when driving in Canada. But I'm definitely interested in the answers to this post.
 
Got my mind working, and wondering. I found this:
https://www.icbc.com/partners/insur...rview-key-changes-auto-insurance-june2021.pdf

With just a quick read, I think I understand the reasoning behind it. If I read it right it boils down to, your coverage should pay for damage to your car, with out all the legal maneuverings to get the other driver to pay. We sort of already have coverage like this that covers when the other driver does not have insurance. Bottom line, you always want to check with your own insurer before driving your vehicle in another country. It's also my understanding, that driving the other direction, into Mexico, our US insurance won't suffice and we need to buy Mexican insurance. I think with Canada, we just need to have the Canadian insurance card from our US insurers. Colby
 
I can only say what USAA, which has been my auto insurer for over 55 years. Here is their Policy information:

Canada

Your auto policy will automatically provide bodily injury and property damage liability coverage in an amount not less than the statutory minimum requirements of the province where the vehicle is being driven. Your current auto insurance identification card or a copy of your current auto policy declarations page is enough proof of insurance. You should always carry these documents in your vehicle.

Mexico

The Mexican government requires that tourists get auto liability insurance from a Mexico-based insurance company. Although your USAA auto policy may provide limited coverage for any loss or damage that occurs within a certain distance from the U.S.-Mexico border (check your policy for details), it doesn't provide the insurance legally required for travel in Mexico. You will need to obtain additional coverage for the vehicles you own from a Mexico-based insurance company.
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We have always obtained Sanborn insurance for Mexico
 
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