Coverage In Other Countries: Can I Drive Outside the U.S.?

Whether you’re driving across the border or plan to rent a car once you reach your destination, there are a few things you need to know before getting behind the wheel on foreign soil.

Driving In Mexico

Your auto insurance coverage likely will not travel with you to Mexico – most policies issued in the USA or Canada won’t be recognized by Mexican authorities, and penalties for driving uninsured can be severe. If you get into an accident and are unable to prove you have valid coverage, your car could be impounded and you could even be arrested.

Here’s what you need if you plan to drive south of the border:

• Invest in a valid auto insurance policy from an insurer in Mexico. Some experts recommend purchasing enough liability to help cover you in case you cause an accident, plus coverage for bail in case you are detained until fault is determined. Additionally, it’s a good idea to purchase some collision and comprehensive insurance in case your car is damaged outside the U.S.
• Apply for an International Driver’s Permit at least six months in advance, and remember also to carry your U.S. driver’s license.
• If you are driving your own car outside the Border Zone or the Free Trade Zone, you also must acquire a Temporary Import Permit at the border in order to prove you will not leave your vehicle in Mexico illegally.

Talk to a licensed agent, and make sure you understand your coverages and the consequences of driving uninsured before you cross the border.

Driving In Canada

It’s a little easier to take your car across the northern border to Niagara Falls or to visit Vancouver. U.S. driver’s licenses are valid in Canada, and most U.S. auto insurance policies are also accepted as long as the insured is a tourist in Canada. Before you cross the border, all you have to do is request a Canadian insurance card from your U.S. carrier, and you can typically count on coverage. Make sure to discuss your trip with a licensed agent in order to go over the fine print and meet all legal requirements before you leave.

Better safe than sorry

Many American tourists assume they’ve got coverage either from their U.S. insurance carrier, their credit card company or their rental car company when they get behind the wheel on foreign soil. However, you should always speak to a licensed expert to find out exactly what you can expect, even if you’re just taking a brief day trip.

Source: AutoInsurance