Car accidents

Car Accidents

Each year, many northern Travellers (Snowbirds) are involved in car accidents while travelling south. Unfortunately, some can be quite serious, with catastrophic consequences.

snowbird car accidents

What should you do if you’re involved in a cross border car accident?

  • Your first priority is always the health of you and your family -Seek out medical attention.
  • Make sure the police are contacted.
  • Call your insurance company and report the accident
  • Contact us as soon as possible.


1) Regardless of fault,  your own car insurance policy will provide immediate help to pay for medical and rehabilitation expenses. These benefits are commonly referred to as Personal Insurance Protection (PIP) or Accident Benefits.

  • Claiming these benefits should not increase your insurance rates.
  • Accident Benefits are also available to passengers, pedestrians and bicyclists.
  • They are available even if the accident was your fault.
  • There are strict timelines for filing a claim, some as short as 3 – 7 days from the date of the accident.
  • Accident Benefits can immediately assist you and your family to pay for medical and therapy expenses.  In serious cases, the benefits can help ay for the costs of caring for a loved one.

Applying for (PIP) Accident Benefits. 

After reporting the accident to your insurer they will send you a claim application, which must be completed by everyone who was in your vehicle during the accident. The application allows the insurer to gather basic information, such as: a description of the accident; the injuries sustained; treating doctors and hospitals involved; medical and rehabilitation expenses needed or incurred; and, any inability to work.

You will also need to disclose any private and group health plans that may be available to you. Some car insurance benefit policies require you to access these plans before asking the insurance company to pay.

2) In serious, catastrophic accidents, can arrange for a local health care professional and Attorney/Lawyer to meet with you and assist with process your accident insurance forms (PIP).

3) Subject to where the accident happened, and the details of the accident, you may be entitled to bring a lawsuit (Tort Claim) – against the at-fault driver.  

4) Be aware:  Each state and province has different statutory time limits in which to bring a claim. If you do not bring a claim within the prescribed time, you may be prevented from ever doing so.


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snowbird accident helpline

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snowbird accidents