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Few, if any of the traffic rules that govern the behavior of Ontario’s drivers have any bearing on the behavior of drivers in other provinces or other states. Still, any insurance coverage that has been paid for a resident of Ontario can be used in those other locations.
A close look at the standard policy that is sold by insurance companies in Ontario
Each of Ontario’s drivers must purchase a car insurance policy that provides them with $200,000 worth of coverage. The Canadian that has obtained such a policy often enjoys certain safeguards as well. Those safeguards take the form of various benefits, such as the income replacement benefit, which is also referred to as the non-earner or caregiver benefit.
In addition, such a safeguard might serve as a source of money for medical care, rehabilitation care or attendant care. It could also be used to cover certain expenses, such as a lost education expense or a death and funeral expense. At the same time, it could function as reimbursement for damaged clothes, damaged glasses or damaged medical devices.
In addition to such safeguards, expenses and reimbursements, the standard policy in Ontario provides for the potential distribution of additional benefits. Those cover the costs associated with housekeeping and home maintenance expenses. Like all the other benefits, those should become available to any policy holder, regardless of who has been held at fault for a given accident. If a victim hasn’t got the assured coverage, it is time to consult with a Personal Injury Lawyer in Stouffville.
A protection that is linked to most policies
That is called the family protection endorsement. It ensures coverage to any Ontario-based driver that gets injured in an accident outside of Ontario’s borders. The extent of the coverage corresponds to the limit of the policy’s liability. So, the driver should not expect to be compensated by an amount of money that exceeds the sum that has been quoted as the policy holder’s limit of liability.
This protection proves most valuable, if the policy holder ventures into a state or province that does not have no fault coverage. Drivers can worry a bit less, with the knowledge that all passengers will be covered, in the event of an accident. Of course that should not keep the same drivers from engaging in safe driving practices. For instance, any such driver should refrain from using a cell phone. By the same token, any such driver should observe all the traffic signs, including those that state the speed limit.
A reminder about all benefits and protections
While each of those remains available to the driver that has traveled beyond Ontario’s borders, all drivers that stay on roads inside of those same borders do not get overlooked. Each of them enjoys ready access to the same benefits and protections.