On May 13, 7:22 am, Stan Brown <the_stan_br...@fastmail.fm> wrote:
> Either way, talk to your insurance company.
Absolutely. I'm surprised OP was fishing around here for ideas when the person who would really know the answer is probably already on his speed dial list, his insurance agent. OP raises interesting questions for general discussion but he would be a fool to rely on anything anyone says on this forum if it differs from what his insurer tells him.
> Tell them what you'll be
> doing with the car, and they will tell you how to proceed.
A sage suggestion.
> If you'll
> have the car with you in Canada, you almost certainly have to
> purchase Canadian auto insurance -- ask your Canadian employer for a
> referral to an insurance company.
Here I must disagree, at least in theory, even though Stan's suggestion _may_ work out to be more practical in the end. Virtually all auto insurance policies issued in USA provide "territorial limits of coverage" for the vehicle while it is anywhere in the USA or Canada, so additional insurance is not needed for a temporary visit to Canada by a USA resident vehicle. Mexico is a different story, and it is mandatory to have Mexican insurance in force before entering the country on even a short trip -- that doesn't mean cancelling your USA or Canadian insurance, it means purchasing additional insurance, because the legal system in Mexico is so dissimilar (based on the Napoleonic Code as in most countries of Continental Europe rather than British common law as in USA and Canada) and hence their insurance requirements are incompatible with those of a USA or Canada policy. If you have an accident in Mexico and don't have Mexican insurance, expect to spend some unpleasant time in a Mexican jail.
Besides, it's highly unlikely that the duration of OP's temporary job assignment in Canada (say, frex, June 07 to June 08) corresponds exactly with the effective period and expiration date of his current insurance (which, frex,may still be in force for several months after his move) -- so there will be some overlap. To buy Canadian insurance covering the exact duration of his stay there may mean having duplicate coverage until his old policy expires, unnecessarily so, or else cancelling his existing policy before its natural expiration, which may make it more difficult to obtain new coverage in USA again when he returns (they often give a cheaper rate for someone who has been continually insured in USA for a period of time, even with a different company).
> If the car will remain in the US
> and not be driven, you still need to insure it against theft but
> obviously you can skip the liability and collision coverages.
Maybe the collision coverage, but in most states with mandatory insurance laws, the vehicle must have liability insurance in force at all times or else the owner would have to turn in the license tags and certify that the car is in storage off-road during that period.
> Again,
> your insurance company will set this up for you.
Good suggestion again, Stan, and OP should rely on whatever his insurer tells him he needs to do (unless it seems completely unreasonable, in which case he can of course get a second opinion from a different insurer)
--
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Mike Jacobs
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