Which Insurance Company is Responsible if I am a Canadian injured in the United States?

Lawyer for Ontario Canada residents injured in the United States

As a personal injury lawyer with license to practice law in Ontario and multiple U.S. States, I am often asked about the rights of Ontario residents that are injured in car accidents while visiting the United States.  The number of Canadians injured while travelling to the United States is actually quite high.  When you think about it, a great number of Ontario residents travel to the United States for business and pleasure.  Unfortunately, accidents can happen at any time and anywhere.  

When an Ontario resident is injured in a car accident while visiting the United States, there are usually claims that can be advanced in both Canada and the United States.  To most, it comes as a surprise that a significant claim for insurance exists in Canada, even when you are hurt in the United States.  In fact, this is the case, even when no Canadian vehicle is involved in the crash.  That is, even if you are driving a rental car in the United States, you will likely have a claim in Canada for your injuries.  This also applies if you are a pedestrian and are struck by a car while visiting the United States.  Ontario has an accident benefits regime that applies and provides coverage for certain losses caused by car accidents in Canada and the contiguous United States.  While the first instinct for many Canadians is to hire a lawyer in the State where the accident occurred, this could mean that you are missing out on substantial insurance claims in Ontario.  Most of the time, when a Canadian is injured in the United States, there are portions of the claim that will be advanced agains the at-fault driver's insurance policy in the United States and others that are advanced against insurance policies in Canada.  

As a Ontario personal injury lawyer with experience litigating personal injury and car accident claims in Canada and the United States, I take a special interest in representing Canadians that have been injured in the United States.  Many times, our law firm is able to settle the U.S. claim for the full insurance policy limits and also handle the Ontario insurance claims, for accident benefits and underinsured motorist coverage.  Where a U.S. lawyer is required, we have an established network of co-counsel that we work with in the United States.  

We have helped many Canadians injured in the United States, including accidents in Florida, Michigan, New York, Texas, Illinois, and North Carolina.  We may be able to help you too.  If you have been injured in a car accident while visiting the United States, call us for a Free Consultation at 416-900-1070 or 1-866-234-6093 or complete our online contact form here. 

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