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Motor Car Accidents and Journey Insurance coverage: What to Know


Whether or not you’re heading out on a much-anticipated spa getaway, procuring spree, or fast grocery store at everybody’s favorite cross-border grocery retailer, Dealer Joe’s, there’s nothing fairly like taking a highway journey to the US from Canada. However let’s not neglect that with highway journeys come potential accidents, even while you cross the border. Should you ever end up in a motorcar accident (MVA) whereas travelling, right here is the whole lot you’ll have to know when submitting a motorcar accident declare. 

What Form of Insurance coverage Do I Want for a Street Journey? 

In an effort to highway journey like a professional, it’s important to have the suitable protection on your wants. Initially, auto insurance coverage is your major protection in a motorcar 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 

Provided by your auto insurance coverage supplier, collision insurance coverage covers you for harm to your car. It’s essential to notice that any emergency medical payments incurred outdoors of Canada aren’t lined by this insurance coverage, making journey insurance coverage crucial. 

Legal responsibility Insurance coverage 

This insurance coverage can also be supplied by 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 get together’s legal responsibility insurance coverage will seemingly not cowl your whole emergency prices. 

Journey Insurance coverage 

TuGo’s Emergency Medical insurance coverage protects you from sudden sickness or accidents whereas travelling outdoors of your own home province. This additionally applies to motorcar accidents, even if you happen to’re driving a buddy’s car or a rental automobile. Listed below are just a few key advantages of our protection that will enable you within the case of a motorcar accident, in case your auto insurer doesn’t totally cowl these bills: 

  • Hospitalization and remedy for medical emergencies 
  • Floor, air or sea ambulance providers 
  • X-rays and different diagnostic laboratory checks 
  • Important medical provides, resembling crutches 
  • Fracture remedy profit 
  • Different skilled medical providers, like physio, and many others., to alleviate an acute emergency 
  • Emergency dental providers 
  • Emergency air transportation 
  • Distant evacuation 

As well as, in case your physician deems you (and your journey companion) unable to drive your automobile again residence, TuGo’s Emergency Medical Insurance coverage may also cowl the return of your car, so long as the car is drivable post-accident.

Rental Automobile Safety 

Should you’re planning on renting a automobile on trip, buying rental automobile insurance coverage is a good suggestion. TuGo’s Rental Automobile Safety elective protection reimburses you as much as a most of $75,000 in case of loss on account of bodily harm or lack of a rented or leased car. This consists of prices resembling towing, salvage, and hearth division prices. Protection is restricted to the unique lined car. 

Word: Protection can also be supplied by rental automobile firms, however be sure you learn their advantages and exclusions earlier than you head out in your highway journey. All the time make sure you do a stroll round of the rental automobile as effectively, 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 along with your auto insurance coverage supplier 

Your auto insurance coverage is your major, first payor by way of MVA protection. When you’ve submitted a declare to them, your auto insurance coverage supplier will decide what’s lined below their advantages and the way a lot will likely be paid. 

2. Give your journey insurance coverage supplier a heads up 

When you begin your auto insurance coverage declare, it’s useful to let your journey insurance coverage supplier know concerning the accident. This manner, they’ll open a declare and have a notice 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 pace up the method if you find yourself claiming below that coverage. 

3. Present all itemized payments, receipts and every other related paperwork 

Hold 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 along with your auto insurer, if any bills weren’t paid, which might be eligible below your journey coverage, advise your journey insurer of the settlement out of your auto insurer.  Be sure to specify any cost(s) you’ve acquired to date and have all documentation referring to the declare useful. If there are excellent bills lined by your journey insurance coverage coverage, they’ll enable you kick begin your declare. To submit a declare at TuGo, e-mail claims@tugo.com or e-mail 1-800-663-0399. 

Tip: Should you favor to kickstart your declare on-line, make an account on myTuGo to submit your emergency medical declare electronically. Make sure you 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 fastidiously and don’t neglect your journey insurance coverage! Accidents are sure to occur, so shield your self (and your family members) earlier than you allow, and make sure you use our final highway journey guidelines!  

Keep in mind: All claims are topic to the phrases, situations and exclusions in your coverage. Moreover, all the time assessment your coverage to make sure the bills you’re claiming are in keeping with your protection so there aren’t any surprises! 

Secure travels,
Linnea

Editor’s Word: This put up was initially revealed in November 2014 and has been up to date for freshness and/or accuracy. 

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