Whether or not you’re heading out on a much-anticipated spa getaway, procuring spree, or quick grocery shop at everybody’s favorite cross-border grocery retailer, Dealer Joe’s, there’s nothing fairly like taking a road trip to the US from Canada. However let’s not overlook that with street journeys come potential accidents, even once you cross the border. If you happen to ever end up in a motorized vehicle accident (MVA) whereas travelling, right here is every part you’ll have to know when submitting a motorized vehicle accident declare.
What Form of Insurance coverage Do I Want for a Highway Journey?
To be able to road trip like a pro, it’s important to have the precise protection on your wants. Before everything, auto insurance coverage is your major protection in a motorized vehicle accident, however there are some things that is probably not lined by your auto insurance coverage supplier. Right here’s how your insurance coverage works within the occasion of an accident within the US or overseas:
Collision Insurance coverage
Supplied by way of your auto insurance coverage supplier, collision insurance coverage covers you for harm to your automobile. It’s vital to notice that any emergency medical payments incurred exterior of Canada aren’t lined by this insurance coverage, making journey insurance coverage crucial.
Legal responsibility Insurance coverage
This insurance coverage can be supplied by way of your auto insurance coverage supplier; it’s third-party or ‘legal responsibility’ insurance coverage, masking damage or harm to others. Within the US, the opposite occasion’s legal responsibility insurance coverage will doubtless not cowl your whole emergency prices.
Journey Insurance coverage
TuGo’s Emergency Medical insurance protects you from sudden sickness or accidents whereas travelling exterior of your house province. This additionally applies to motorized vehicle accidents, even in case you’re driving a good friend’s automobile or a rental automobile. Listed below are just a few key advantages of our protection that will aid you within the case of a motorized vehicle accident, in case your auto insurer doesn’t absolutely cowl these bills:
- Hospitalization and remedy for medical emergencies
- Floor, air or sea ambulance companies
- X-rays and different diagnostic laboratory checks
- Important medical provides, comparable to crutches
- Fracture remedy profit
- Different skilled medical companies, like physio, and many others., to alleviate an acute emergency
- Emergency dental companies
- Emergency air transportation
- Distant evacuation
As well as, in case your physician deems you (and your journey companion) unable to drive your automobile again house, TuGo’s Emergency Medical Insurance coverage will even cowl the return of your automobile, so long as the automobile is drivable post-accident.
Rental Automobile Safety
If you happen to’re planning on renting a car on vacation, buying rental automobile insurance coverage is a good suggestion. TuGo’s Rental Car Protection non-compulsory protection reimburses you as much as a most of $75,000 in case of loss attributable to bodily harm or lack of a rented or leased automobile. This contains prices comparable to towing, salvage, and fireplace division fees. Protection is restricted to the unique lined automobile.
Observe: Protection can be supplied by way of rental automobile corporations, however be sure you learn their advantages and exclusions earlier than you head out in your street journey. All the time make sure you do a stroll round of the rental automobile as properly, and take images of any irregular sightings, like a chipped windshield, and many others.
How Do I Open a Motor Car Accident Declare?
1. Open a declare together with your auto insurance coverage supplier
Your auto insurance coverage is your major, first payor when it comes to MVA protection. When you’ve submitted a declare to them, your auto insurance coverage supplier will decide what’s lined underneath their advantages and the way a lot will probably be paid.
2. Give your journey insurance coverage supplier a heads up
When you begin your auto insurance coverage declare, it’s helpful to let your journey insurance coverage supplier know concerning the accident. This manner, they will open a declare and have a be aware in your file {that a} declare could also be coming, in case your auto insurer doesn’t cowl the declare in full. Notifying them from the start might velocity up the method if you find yourself claiming underneath that coverage.
3. Present all itemized payments, receipts and some other related paperwork
Preserve copies of any paperwork despatched to your auto insurer, in addition to these out of your auto insurer. Be sure to maintain itemized payments and receipts useful to hurry up your claims course of for eligible bills.
4. Submit your declare to your journey insurance coverage supplier
When you’ve settled your declare together with your auto insurer, if any bills weren’t paid, which might be eligible underneath your journey coverage, advise your journey insurer of the settlement out of your auto insurer. Be sure to specify any fee(s) you’ve acquired to date and have all documentation regarding the declare useful. If there are excellent bills lined by your journey insurance coverage coverage, they’ll aid you kick begin your declare. To submit a declare at TuGo, e-mail [email protected] or e-mail 1-800-663-0399.
Tip: If you happen to want to kickstart your declare on-line, make an account on myTuGo to submit your emergency medical declare electronically. Remember to ship in a duplicate of the settlement out of your auto insurer, in order that your journey insurer can see what was and wasn’t paid.
No matter the place you’re off to by automobile this 12 months, drive rigorously and don’t overlook your travel insurance! Accidents are sure to occur, so shield your self (and your family members) earlier than you permit, and make sure you use our ultimate road trip checklist!
Keep in mind: All claims are topic to the phrases, circumstances and exclusions in your coverage. Moreover, all the time evaluate your coverage to make sure the bills you’re claiming are consistent with your protection so there aren’t any surprises!
Protected travels,
Linnea
Editor’s Observe: This put up was initially revealed in November 2014 and has been up to date for freshness and/or accuracy.
