If you intend to drive a motor vehicle in Canada you will need to make sure and bring more than just your passport. Canadian law requires U.S. citizens driving into Canada to provide proper proof of motor vehicle insurance.
The good news is that both your IMT Insurance and Wadena Insurance personal auto policies include Canada as part of your coverage territory. While in Canada, your personal auto policy will provide you with the same coverages and limits you have while operating your vehicle in the United States. Also, if you are involved in an accident in a state or province that requires higher liability limits than the limits currently on your policy, you will automatically be provided with the higher limits specified by law.
Unfortunately, standard motor vehicle insurance cards are not accepted as proof of insurance by Canadian authorities. To demonstrate proper proof of insurance, contact your local agent and request a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card. Your IMT or Wadena insurance agent will be able to mail this document to you.
While driving in Canada, keep the Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card with you at all times. If a Canadian law enforcement official determines you do not have the proper proof of insurance, you are at risk of being fined or having your vehicle impounded until you can display the proper proof of insurance.
This article represents a brief summary of coverage and is not intended to be a precise statement of Canadian law pertaining to non-resident drivers in Canada. Review the actual policy for additional details on coverages, terms, limits, conditions, and exclusions.