Episode 57: Navigating Cross-Border Legal Challenges: What Canadians Need to Know

What would you do if you got into an accident while driving in the U.S.? Would your Canadian insurance cover you? Do you know your legal rights? In this episode of Snowbirds Expat Radio, host Gerry Scott sits down with cross-border personal injury lawyer Andrew Iacobelli to break down the complexities of legal issues faced by Canadians traveling to the United States. They explore key differences between the Canadian and American legal systems, how insurance policies work across borders, and the most common mistakes Canadians make when dealing with accidents abroad. Andrew shares expert advice on underinsured motorist coverage, travel health insurance, and how public adjusters handle claims in the U.S.

Key Takeaways:

✅ Canadians need to understand their legal rights when traveling in the U.S.

✅ Damage awards in the U.S. are significantly different from those in Canada.

✅ Renting a car in the U.S. can create unexpected insurance complications.

✅ No-fault insurance in British Columbia has specific implications for travelers

.✅ The majority of legal inquiries from Canadians involve car accidents.

✅ Underinsured motorist coverage is often overlooked but crucial.

✅ Misconceptions about legal support can lead to poor decisions post-accident.

✅ Travel health insurance is essential for Canadians visiting the U.S.

✅ Owning a car in the U.S. can limit rights under Canadian insurance policies.

✅ Public adjusters play a key role in property damage claims in the U.S., unlike in Canada.

Why This Matters for Snowbirds & Expats:

If you travel frequently between Canada and the U.S., understanding these legal and insurance nuances can help you avoid costly mistakes and ensure you’re adequately protected. Whether you’re renting a car, dealing with an accident, or navigating an insurance claim, this episode provides crucial insights to keep you informed and prepared.