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Canadians who head south for the winter are commonly referred to as “snowbirds”. It is synonymous with all Northern residents (both in Canada and USA), who migrate south every year to avoid the cold winter weather. Who can blame them. The Sunny southern states provide fun, beaches, activities, and relaxation for every one.
So how many Canadian Snowbirds are there and where do they go?
The present estimate is approximately 4 million Canadian and Northern US residents head to Florida, South Carolina, North Carolina, Georgia, Texas, Arizona and California over the winter months. These states experience a tremendous influx of migrating Birds. For travel info go to Snowbird Travel USA. An excellent resource for every family.
Travelling is not risk free.
Before going south, Canadians need to make sure they have extra medical & travel insurance. Private Medical coverage should be purchased for every family member prior to leaving Canada. It is also a very good idea to increase optional car insurance coverages. In particular we recommend you increase your liability limits; Statutory Accident Benefits; and, make sure you have Underinsured/Uninsured motorist protection. These optional benefits are relatively inexpensive. In a serious motor vehicle collision they can be invaluable to you and your family.
Check this article: https://snowbirdaccidents.com/cross-border-accidents-blog/
Canadians involved in US car accidents.
Every Canadian resident regardless of which province they reside in should contact their insurance Broker and advise them they are travelling outside of their home province. Check to make sure you have adequate third party liability coverage, uninsured coverage and most importantly optional underinsured motorist protection. It is suggested that 70% of the car accidents in the United States involve car drivers who are inadequately insured, if at all. If you are injured by an underinsured or an uninsured driver, you can claim any financial shortfall from your own car insurer up to the limit of your car’s liability policy.
Tort Rights: The law of the state or province where the accident happened dictates the rights and remedies you have. In most states you can sue (or be sued) for pain and suffering and any economic losses suffered. Furthermore, each state has different procedural rules as to when and how a claim can be made. You will need a lawyer/attorney in that state to provide legal advice and enforce your compensation rights.
Applying for Statutory Accident Benefits. Regardless of fault, Each Canadian province has a no-fault accident benefit scheme available to insured persons. Accidents need to be reported to your car insurance company. They in turn will send to you a Accident Claim Form. This form must be completed and returned to them as soon as practicable.
Please note if you are involved in a car accident in any state or province outside of your normal place of residence, your car insurance policy is to comply with State or Provincial laws. For example if an American car driver is injured in Ontario, their US policy must provide Ontario statutory accident benefits and Ontario’s minimum liability limits. Conversly, as a Canadian, your car policy must comply with the laws of the jurisdiction where the accident happened. For example, if a Canadian is injured in Michigan, his or her Canadian car policy must provide Michigan catastrophic claims coverage. As an injured party you will have to elect what coverage you want to receive. This is tremendously complicated, since you need to compare the two insurance schemes and decide which is in your best interest to claim.
Property Damage Claims: Subject to the extent of the Property damage, claims are to be reported to your car insurer. Contact your insurer especially if your vehicle needs to be towed or returned to Canada.
SPECIAL NOTICE FOR Quebec, British Columbia, Saskatchewan, and Manitoba RESIDENTS: These provinces are now a pure ”no fault regime”. If you are involved in a car accident you are not allowed to sue. It is a great system if your are catastrophically injured and/or responsible for the accident. Residents of those provinces are allowed to sue for personal injuries outside of their province in jurisdictions which allow lawsuits.
SPECIAL NOTICE FOR ONTARIO RESIDENTS: Ontario has one of the best Statutory Accident Benefit schemes in North America. If you are involved in a car accident, the SAB coverage will immediately assist you in the payment of hospital, medical, and rehabilitative expenses. These benefits allow Hospital Discharge Planners and Social Workers to immediately help facilitate your return home.
Any personal injury law firm, personal injury lawyer, or personal injury attorney we recommend has shown they have extensive knowledge and expertise you can trust when faced with the challenge of a cross-border accident. In most instances, you can deal directly with them by going to their website. As an alternative, you are welcome to complete the contact form or give us a call.
Snowbird Accidents is not a law firm. We are an International “Qualifying Referrer”. We provide information about car accidents, car insurance options, medical insurance options, personal injuries, and more. We do not provide legal advice. That is the job of the personal injury attorney or lawyer that you end up retaining.
We can recommend personal injury lawyers familiar with the complexities of cross-border accidents in the province you reside in and the state you were injured in. The lawyers and attorneys recommended by us are leaders in their field and frequently deal with catastrophic car accidents, truck accidents, motorcycle accidents, bicycle accidents, and pedestrian accidents.
The Snowbird Helpline offers peace of mind if the unthinkable happens. We are here to connect you with a team of lawyers and attorneys that are knowledgeable about personal injury claims, no matter what province or state you were injured in.
When a serious personal injury happens in a different country, you quickly need help. That’s where Snowbird Helpline comes in. Our team has extensive knowledge and expertise that you can trust when faced with the challenge of a cross-border accident.
We are not lawyers or a law firm. No legal fees are paid or shared with us. Instead, we offer advice on what your next steps should be and who you should contact. We recommend personal injury lawyers and attorneys that are familiar with the complexities of cross-border accidents.
For over 35 years, we have assisted Canadian snowbirds involved in car accidents and other personal injury accidents in the United States.
Snowbird Accidents assists people experiencing serious personal injuries of all kinds. Primarily we assist with those who have been involved in serious car accidents, pedestrian accidents, bicycle accidents, or trucking accidents.
We are here to help organize the steps you have to take with your insurance company and connect you with experienced personal injury lawyers and attorneys, and more.
Snowbird Accidents is a USA corporation with headquarters in West Palm Beach, Florida, and offices in Toronto, Canada.
We offer expertise and personal injury lawyer recommendations in over 50 states and 10 provinces. To quickly get in touch with us about your situation, give us a call at 1-800-436-0353.
Our goal is to be accessible at all times to snowbirds who require assistance. You can fill out our online contact form or give us a call at 1-800-436-0353.
Additionally, you can contact the lawyers mentioned on our site directly through their websites or online contact information.
Your health and safety, plus the health and safety of your family or other injured parties is always top priority. Be sure to seek out medical attention immediately. It is important to make sure the police are contacted.
If possible, while still on the scene, obtain the driver’s license and insurance information of those involved in the accident. If possible, get contact information for all witnesses. Additionally, you should take notes and pictures of everything you can. This includes the scene of the accident, the other car, any visible injuries, and what caused the accident if known.
Make sure that your doctors are informed about the accident and all of your injuries. Take notes of what the doctor advises and keep a record of your injuries and healing process.
As soon as you are able, contact Snowbird Helpline. We can help advise you of the next steps you should take.