If you are a Canadian resident spending part of your year in Arizona – thank you! We appreciate all you bring to our fine State. I have learned over the years how valuable your business and presence is to Arizona. Canadians are friendly, educated, pay their bills, and cause no trouble. From an insurance perspective, you do your best to NOT file insurance claims. While claims happen, I know that our Canadian clients would rather avoid a claim if at all possible. They are some of our best clients!
When buying car insurance for Canadians in Arizona, please be aware that some insurance carriers charge a foreign drivers license surcharge. The reason – they are unable to run a U.S. motor vehicle report to track your driving history. With many carriers, the easy solution is to provide your driving abstract. Be sure to speak with your agent about any foreign drivers license surcharges.
If you own a vehicle in Arizona, be careful loaning your vehicle to friends and family who come to visit. For those of you who own a seasonal residence in Arizona and keep a car here, you may allow others access to your vehicle. Talk with your agent. You do not want to find yourself in a gray area with the carrier if a claim were to happen. More than likely, an insurance carrier would pay the claim and follow the guidelines of your insurance policy. And yet, they do not, for obvious reasons want drivers of the vehicle that they have no knowledge of.
When buying your car insurance, ask about some of the less understood coverage, such as medical, uninsured motorist, and underinsured motorist. These are optional items and you can decline to carry them. At first glance, you may feel medical is of little use because you have great health care back home. But what if you need care in the United States? Also, what if you have a passenger who is injured while in your vehicle? Medical coverage may be of great interest if you understand it’s purpose and reason for carrying.
Uninsured and Underinsured Motorist are designed to offer you some protection against drivers who carry low insurance limits or fail to carry any whatsoever. Again, speak with your insurance agent about these items and see if you feel a need to carry them.
That’s it! If you want a quote on your auto insurance for Canadians in Arizona, please let me know.
Gary Brown, Agent