Driving across borders isn’t something most Pennsylvania drivers do every day, but it does come up. Maybe you’re planning a road trip to Canada, or you’re renting a car overseas. Before you go, it’s worth knowing how far your auto insurance through Options Insurance Agency serving Hershey, PA will actually travel with you.
Crossing Into Canada and Mexico
For most Pennsylvanians, Canada is the easier option. Standard U.S. auto policies generally extend north of the border, so you’ll usually be covered for liability and damage. Mexico, however, is a different story. U.S. policies don’t apply once you cross into Mexico, and local law requires a separate Mexican insurance policy. If you’re driving down for vacation, buying that extra coverage is a must.
Driving Abroad With Rentals
Heading overseas to Europe or elsewhere, your U.S. policy won’t follow you. Rental companies often provide coverage options, and sometimes credit cards offer protection too. It’s not wise to assume; you’ll want to check before the trip to make sure you’re not left footing the bill if something happens on unfamiliar roads.
Why Local Rules Matter
Every country has its own insurance requirements, and penalties for driving without proper coverage can be just as severe or even more so than in the U.S. Even in Canada, where your Pennsylvania policy may apply, proof of insurance is still expected if you’re stopped. Carrying the proper paperwork and knowing the limits of your policy can save time, money, and headaches.
International travel brings enough moving parts without worrying about insurance gaps. By reviewing your policy and talking with your agent at Options Insurance Agency serving Hershey, PA, before crossing a border, you’ll know what’s covered and what’s not. That way, you can focus on the trip instead of paperwork.