Car accidents

Canadians involved in Car Accidents in the US

Canadians love to drive their cars.  Heading south to the USA remains on of our favourite destinations – especially for winter holidays.

cross border car accidents

What should you do if you’re involved in a car accident in the USA?

  • 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,  Canadian car insurance policies provide immediate help to pay for property damage claims and statutory accident benefits.

Importantly the car policy pays for necessary medical and rehabilitation expenses.

  • Claiming these health care benefits will not increase your insurance rates.
  • Accident Benefits are also available to passengers, family members, 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 help pay for medical and therapy expenses.  In serious catastrophic cases, Ontario SAB  benefits will make available up to $1,000,000 per claimant.

Applying for Statutory Accident Benefits:  After reporting the accident to your insurer, they will send a claim form to you. This allows the insurer to gather basic information such as a description of the accident, the injuries sustained, the names of treating doctors and hospitals, medical and rehabilitation expenses incurred, and, whether there is an inability to work.

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

2) In serious, catastrophic accidents, can immediately provide advice as to what to do.

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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