Yes, if you want to drive a rental car in Ontario, you'll need some type of insurance coverage in case something happens. You don't need to have your own car insurance policy (if you have a license but don't have a car, for example). However, you still need insurance to drive the rental. And Canada can be similar in many ways.
But make sure that your car insurance policy or credit card covers your rental car in Canada. Geico, for example, extends its coverage to the U.S. UU. Tenants who venture into Canada (although customers are urged to ensure that the car rental company allows it).
However, it's always best to call the insurance company to make sure you're covered before you travel. If you're traveling to Canada by car, either in your vehicle or in a rental car, your U.S. Insurance will generally protect you with the same coverages and limits that you have in your home. Car insurance in Canada for U.S.
Visitors. It is governed by reciprocal laws between the two countries. Most major insurance companies will cover you if you need to file a claim during your trip north of the border. If you cross the Canadian border by car, Canadian law requires that you show proof of citizenship and identity.
Citizens, a valid passport book, a passport card, or a NEXUS card are sufficient to meet the requirement. Children under 16 must have proof of identity and citizenship, such as an original birth certificate or a citizenship card. The Canadian Border Patrol can also request proof of insurance if you're driving in Canada. Your car insurance card should be sufficient, but you can also apply for an interprovincial insurance card for non-residents from your insurance company.
It's also a good idea to have an auto insurance policy with you in case you're stopped or have an accident during your visit. Make sure you have a valid vehicle registration before driving in Canada. Sometimes, border agents will ask for your registration to make sure you're not driving a stolen vehicle. A U.S.
auto insurance policy works the same way in Canada as it does in the U.S. Your comprehensive car insurance coverage and your car collision coverage, for example, still apply to damage to your vehicle if you have an accident while driving in Canada. If you are traveling to Canada and plan to rent a car when you get there, contact your insurance company to find out if they will extend coverage to your rental. If your insurance company covers car rental in the U.S.
Otherwise, you may need to purchase rental car insurance from the rental agency. Keep in mind that reciprocal laws are only an agreement between Canada and the U.S. If you're traveling to other countries, your insurance may not automatically cover you. Check with your insurance company if you are traveling abroad and planning to drive to learn how international car insurance works.
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Prices vary depending on the form of purchase. You can also purchase an endorsement for your personal auto insurance policy to cover any damage to cars you don't own, such as rental cars. Credit card rental car insurance often excludes coverage for liability or personal injuries suffered by you or others. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy.
If you rent a car in Canada, you are not required to take out car insurance with the rental company, but you do need some type of car insurance to protect you and the rental car. The rental car automatically has some insurance coverage, but even a minor accident would easily exceed that amount. .