For Canadian snowbirds and travelers, an unexpected injury in the United States can be a stressful and life-altering experience. While travel health insurance can provide financial protection, it often comes with strings attached. A common scenario we encounter involves insurance companies pressuring injured Canadians to return to Canada as soon as possible, even when staying in the U.S. for medical treatment would lead to better health outcomes.

In this article, we’ll explore the challenges Canadians face when making healthcare decisions after an injury in the U.S., highlight the excellent medical care available stateside, and provide real-world examples of how premature returns to Canada have jeopardized health and recovery.

Pressure to Return: The Role of Travel Health Insurance
Travel health insurance is invaluable for covering medical expenses when accidents happen abroad. However, many policies are structured to minimize the insurer’s costs. This often leads to injured individuals being pressured to return to Canada as soon as they are deemed “medically stable” for transport. Unfortunately, being stable for travel doesn’t always mean being fully ready to continue recovery back home.

Why the rush? The insurance company’s priority is to transfer the financial burden to Canada’s healthcare system. This can leave injured individuals in a precarious position—forced to interrupt their treatment plans and navigate delays in Canada’s already strained healthcare system.

The US boasts world-class healthcare:
The United States is home to some of the most advanced medical facilities and specialists in the world.  From cutting-edge technology to renowned surgeons, the quality of care available is often unparalleled.  Injured Canadians treated in the U.S. often have access to:

• Timely Surgeries and Procedures: Unlike Canada, where non-emergency surgeries can be delayed due to long waitlists, the U.S. system enables faster scheduling of necessary procedures.
• Specialized Care: U.S. hospitals frequently have advanced equipment and specialized teams ready to address complex injuries without unnecessary delays.
• Continuity of Treatment: Completing your care in the same facility where your treatment began ensures better coordination and reduces the risk of complications.

The Risks of Returning to Canada Prematurely
While returning to Canada may seem logical, doing so too quickly can jeopardize your recovery. Here are examples from real cases:

• Delayed Surgeries: One Canadian client sustained severe fractures in an accident. The U.S. hospital had already scheduled surgery with a top orthopedic specialist. However, their travel insurance arranged for them to return to Canada prematurely. Upon arrival, the individual faced a two-week delay for surgery, during which time complications developed, prolonging recovery and increasing pain.
• Interrupted Rehabilitation: Another client had begun intensive physiotherapy following surgery in the U.S. Returning to Canada meant starting over with new providers, leading to delays and lost progress. The gap in care caused stiffness and reduced mobility that could have been avoided by completing treatment in the U.S.
• Compromised Outcomes: In one case, a patient with a spinal injury returned to Canada only to find that the recommended follow-up procedure wasn’t available locally. The delay in treatment worsened their condition, resulting in permanent limitations that might have been prevented with uninterrupted care in the U.S.

Making the Best Decision for Your Health
If you are injured in the United States, it is crucial to advocate for your health and make informed decisions. Here are some tips to navigate this situation:

• Understand Your Policy: Review your travel health insurance coverage thoroughly. Ask questions about your rights and options for continued care in the U.S.
• Consult with Medical Professionals: Listen to the recommendations of your treating physicians in the U.S. They are often best positioned to advise on the timing of your care and whether travel is safe.
• Speak with a Lawyer: If you feel pressured by your insurance company to return prematurely, consulting a personal injury lawyer experienced in cross-border cases can help protect your interests.

What to Consider:
Imagine this: you're lying in a US hospital bed, your leg in a cast after a car accident. Your doctor outlines a clear treatment plan, including surgery and physiotherapy, all available within the next few weeks. But your travel insurance provider is pushing for your return to Canada.  What should you do?

First, think about how serious your injury is. Does it demand immediate, specialized attention?  Is it something that could worsen significantly with even a minor delay in treatment?

Next, consider the urgency of the situation. What are the potential consequences of postponing your surgery or rehabilitation? Could it mean a longer recovery time, increased pain, or even long-term complications?

Now, picture yourself back in Canada. Can you easily access the same level of specialized care?  Will you be able to see the necessary specialists as quickly as you need to?  Think about the potential wait times for surgery, specialist appointments, and rehabilitation services.

Finally, consider your rehabilitation needs. What kind of therapy will you require, and how accessible is it in Canada? Will you face long waitlists or limited sessions?  Remember that consistent, timely rehabilitation is often crucial for a full recovery.

To help you make an informed decision, ask yourself these key questions:

• Severity of your injury: Is it a condition that requires immediate, specialized care?
  
• Urgency of treatment: What are the potential consequences of delaying treatment?
  
• Access to specialists: Can you access the necessary specialists in a timely manner in Canada?
  
• Rehabilitation needs: What rehabilitation services will you require, and how readily available are they in Canada?

Our Advice:
Don't let pressure from insurance companies or your own desire to be home compromise your health.  If you're injured in the US, carefully weigh the pros and cons of returning to Canada before your treatment is complete.  Consult with your doctors, consider the potential consequences of delays, and advocate for your well-being.

If you or a loved one has been injured while traveling in the United States and are receiving medical treatment in a US Hospital, you may have questions or concerns about your rights.  Call us day or night to request a Free Consultation with a lawyer experienced in assisting Canadians injured in the United States.  Complete our contact form on our website or call us toll free 24/7 at 866-234-6093. 

If you're a Canadian planning to travel to the United States, you may wonder whether your car insurance will cover you in the event of a car accident. Traveling to the United States can be enjoyable, but understanding the scope of your insurance coverage is essential for peace of mind and financial protection.

One of the most common concerns for Canadians injured in U.S. car accidents is whether their Canadian auto insurance will cover their medical expenses. The answer is, “it depends.” Here's what you need to know:

Medical Coverage and Canadian Car Insurance
In Canada, auto insurance policies typically include medical benefits coverage, often referred to as Accident Benefits or Section B Benefits in some provinces. These benefits are designed to cover medical expenses, rehabilitation costs, and in some cases, income replacement following a car accident, regardless of fault.

Most Canadian car insurance policies extend this coverage when you're involved in a car cras in the United States.  In fact, many policies will provide you with medical expenses coverage even if you are not driving your own vehicle at the time of the accident.  However, the extent of this coverage may vary depending on your specific policy and the province in which it was issued.

Coverage Limits May Differ
Medical costs in the United States are notoriously high compared to Canada. Even if your Canadian insurance provides coverage in the U.S., it may have limits that are quickly exceeded due to the steep costs of American healthcare.  For example, if your policy has a cap of $65,000 for medical benefits, this amount might not stretch far in the U.S., especially for severe injuries requiring hospitalization or surgery.

Optional Extended Coverage
To ensure you're adequately protected, consider purchasing additional coverage before heading to the United States. Supplemental travel insurance may help cover medical costs and provide additional protection beyond what your car insurance offers.

Cross-Border Legal Expertise Can Help
If you're a Canadian injured in a car accident in the U.S., navigating the legal and insurance systems of another country can be daunting. This is where the Snowbird Attorney and our experienced team in cross-border injury claims, can be invaluable.

We are the lawyers that other lawyers call to help Canadians injured in the United States recover the compensation they deserve, whether through their own insurance, the at-fault driver's insurance, or additional legal avenues.  Contact us today for a free consultation and let us help you get back on the road to recovery.

It's a common scenario: you're planning a road trip down to the sunny beaches of Florida, or maybe a ski trip to the Colorado Rockies. But as a Canadian crossing the border, you might have a nagging thought in the back of your mind: just how safe are Canadian drivers in the US?

While there's no need to trade in your road trip for a staycation just yet, it's worth exploring the topic of accidents involving Canadians in the United States. Unfortunately, pinning down exact numbers is tricky. US accident statistics often track by state and vehicle type, not nationality. However, we can look at some factors and available data to get a clearer picture:
Factors Influencing Accident Rates:

• Increased Travel: Canadians love to visit the US! Millions cross the border each year for vacations, shopping trips, and family visits. More Canadians on US roads naturally increase the potential for accidents.
• Unfamiliar Roads: Driving in a new country always presents challenges. Different road signs, speed limits, and driving habits can contribute to accidents.
• Distracted Driving: This is a universal problem, not limited to Canadians. Cell phone use, eating, and fiddling with the radio can all lead to accidents.
• Impaired Driving: Driving under the influence of alcohol or drugs is a serious offense with severe consequences, regardless of nationality.

Finding Data:

• US State Departments of Transportation: These agencies often publish detailed accident statistics. You might find some data on accidents involving out-of-state drivers, which could give you a general idea.
• Insurance Companies: Insurance companies track accident rates, and some may have data on claims involving Canadian drivers in the US. However, this information is usually proprietary.
• Consular Reports: The Canadian government may keep records of accidents involving Canadian citizens abroad, though these reports might focus on serious incidents.

Tips for Safe Driving in the US:

• Review US traffic laws: Familiarize yourself with speed limits, road signs, and right-of-way rules.
• Plan your route: Map out your trip in advance to avoid getting lost and stressed while driving.
• Stay alert: Avoid distractions and focus on the road.
• Never drive impaired: Always designate a sober driver.
• Get proper insurance: Ensure your Canadian car insurance provides adequate coverage in the US.

While precise statistics on accidents involving Canadians in the US are hard to come by, it's always crucial to practice safe driving habits wherever you are. By being prepared and following the rules of the road, you can minimize your risk and enjoy a safe and memorable trip south of the border.

If you’re a Canadian involved in a car accident in Florida, the financial impact can be daunting, especially when faced with large hospital and medical bills. Florida’s healthcare costs are among the highest in the U.S., and without familiarity with the system, navigating the financial aftermath can be challenging. Here’s what Canadians need to know about handling these substantial medical bills and how to seek compensation to relieve the financial burden.

Understanding Florida’s No-Fault Insurance and Your Medical Coverage Options
Florida operates under a “no-fault” insurance system, which means that Personal Injury Protection (PIP) coverage is typically responsible for covering initial medical expenses. However, PIP only provides a limited amount — up to $10,000 — which may not cover severe or long-term injuries.  As a Canadian, your own auto insurance policy may offer more coverage.  However, in many cases you have to make an electio of Florida PIP coverage or the coverage available in your home Province.  This selection is critical and can have a major impact on the medical coverage available to you after a car accident in Florida.  In addition to medical coverage through no-fault auto insurance, you may be able to have your medical bills paid by travel health insurance.  

Filing a Personal Injury Claim for Compensation in Florida
When medical bills exceed what your insurance covers, you may be eligible to file a personal injury claim against the at-fault driver. In Florida, you can pursue compensation beyond PIP coverage if you have sustained serious injuries. This can help cover additional medical costs, lost wages, pain and suffering, and future medical needs.

Steps in Pursuing a Claim for Additional Compensation:

1. Hire a Cross-Border Attorney: Handling a personal injury claim in Florida as a Canadian can be complex. We are experienced cross-border attorneys and can guide you through the legal process, help coordinate with U.S. insurance companies, and ensure compliance with Florida’s legal requirements.
2. Prove Liability and Damages: To seek compensation beyond PIP, you’ll need to demonstrate that the other driver was at fault. We can help gather evidence, witness testimonies, and medical records to build a strong case.
3. Calculate All Medical Costs and Future Needs: In a personal injury claim, you can seek compensation for current and future medical expenses. This includes ongoing treatments, rehabilitation, and any long-term care needs resulting from the accident. Accurate documentation and expert evaluations are crucial to secure a fair settlement.

The Importance of Seeking Legal Guidance
Navigating the U.S. healthcare system and Florida’s insurance laws can be overwhelming, especially for Canadians unfamiliar with the process. A cross-border attorney experienced in handling claims for Canadians injured in the United States can help in multiple ways:

• Coordinating with Insurance Providers: An attorney can communicate with both Canadian and U.S. insurers to ensure you receive the maximum benefits from your coverage.
• Managing Documentation and Legal Requirements: Compliance with Florida’s personal injury laws, including time limits for filing claims, is essential to avoid forfeiting your rights to compensation.
• Pursuing Full Compensation: By thoroughly assessing medical expenses, lost wages, and other damages, your attorney can pursue a settlement that covers your financial needs now and in the future.

Options for Financing Medical Costs While Awaiting a Settlement
In cases where immediate payment is required for medical bills, some Canadians may need to explore financing options. We can assist with this in circumstances where this is the only viable option. Some strategies include:

• Payment Plans with Medical Providers: Many U.S. hospitals and medical facilities offer payment plans or financial assistance programs. Inquire about available options to avoid accruing interest on medical bills.
  
• Medical Liens: Some healthcare providers may agree to place a lien on your eventual settlement rather than requiring immediate payment, allowing you to defer costs until you receive compensation.
• Litigation Funding: Certain companies offer funding to personal injury plaintiffs, which can help cover medical costs while waiting for a settlement. However, be cautious and fully understand the terms, as fees and interest rates can be high.

Taking Action to Protect Your Financial Future
Facing large medical bills after a car accident in Florida can be financially and emotionally stressful.  We are experts in navagating cross-border personal injury claims, helping Canadians secure compensation after accidents in the United States.

If you’re a Canadian facing US medical bills after a Florida accident, don’t hesitate to reach out. We’re here to help you understand your rights, explore your options, and pursue the compensation you deserve. Contact us today for a free consultation and let us help you protect your financial future.

If you’re a Canadian who’s been involved in a car accident in Florida, you may feel overwhelmed by the unfamiliarity of the legal process and worried about how to secure compensation for your injuries and damages. Knowing your rights and understanding the claim process is crucial to navigating these complexities and ensuring you’re fully protected. Here’s what you need to know about filing a car accident claim in Florida as a Canadian visitor.

Why Canadians Face Unique Challenges After a Car Accident in Florida
When a Canadian is involved in an accident in Florida, there are several key differences in the legal and insurance systems between the two countries. Florida operates under a “no-fault” insurance system, which affects how claims are handled and the types of damages that can be recovered. Additionally, pursuing a claim across borders can present challenges with jurisdiction, access to medical care, and dealing with unfamiliar insurance requirements.

Can Canadians Legally File a Car Accident Claim in Florida?
The good news is that, as a Canadian, you have the right to pursue a car accident claim in Florida. Whether you’re a driver, passenger, pedestrian, or cyclist, if you were injured due to another party’s negligence, you can file a claim for compensation. However, the process is different from Canada, and working with a lawyer experienced in cross-border claims is crucial to protect your rights.

Florida’s No-Fault Insurance and What It Means for Canadian Drivers
Florida is a no-fault state, meaning that each party’s own insurance covers a portion of medical expenses and lost income, regardless of fault. Florida law requires drivers to carry Personal Injury Protection (PIP) coverage, which pays medical expenses and lost wages, up to $10,000. For Canadians, this can be confusing, as your Canadian insurance may also have no fault coverage and you will be asked to select or elect Canadian or Florida benefits.  In some cases, your Canadian insurance might require you to pay out of pocket and seek reimbursement, which can add financial strain.

Understanding Liability and Filing a Claim for Additional Damages
While no-fault coverage is essential for immediate expenses, it may not fully cover the costs of a severe accident. In Florida, you can file a claim against the at-fault driver if you’ve sustained serious injuries, allowing you to seek additional damages for pain and suffering, further medical expenses, and property damage. These additional claims can be complex, particularly when the involved parties are from different countries, so it’s wise to have an experienced attorney guide you through the process.

Key Steps for Canadians Filing a Car Accident Claim in Florida

1. Seek Immediate Medical Attention: Florida law requires accident victims to seek medical treatment within 14 days to qualify for PIP coverage. Even if you feel your injuries are minor, a medical evaluation is crucial to protect your health and ensure eligibility for insurance benefits.
2. Gather Documentation: Collect all relevant information, including medical records, police reports, and any evidence from the accident scene. Be diligent in keeping track of all expenses and potential losses related to the accident.
3. Notify Your Canadian Insurance Provider: Inform your insurer about the accident as soon as possible. You may be eligible for Canadian no-fault insurance benefits even if your Canadian vehicle was not involved in the crash, such as if you are a in rental vehicle or a pedestrian, etc.
4. Contact a Cross-Border Attorney: Hiring an attorney with experience in cross-border accident claims can make a significant difference in the outcome of your case. We can help you navigate the legal intricacies and ensure you receive the compensation you deserve.

How We Help Canadians with Florida Car Accident Claims
Navigating the U.S. legal system, especially with the complexities of Florida’s no-fault insurance laws, can be challenging for Canadians. As the Snowbird Attorney, we regularly assist out of state residents with cross-border claims, and we have offices in Canada and the United States, making us uniquely qualified to handle cases involving Canadians injured in the United States. Our experienced team will work diligently to:

• Coordinate with both Canadian and U.S. insurance providers
• Manage documentation and communications with the at-fault driver’s insurance
• Ensure compliance with Florida’s legal requirements and deadlines
• Pursue maximum compensation for your injuries and damages

The Importance of Timely Action
Florida has strict statutes of limitations on personal injury claims, generally allowing two years from the date of the accident to file a lawsuit. However, waiting to take action can make gathering evidence and handling the claim more difficult, particularly if you are returning to Canada. Seeking legal counsel immediately ensures that you’re fully prepared and don’t miss critical deadlines that could impact your case.

If you’re a Canadian involved in a car accident in Florida, you don’t have to navigate the claim process alone. We understand the unique challenges of cross-border accident claims and are committed to helping Canadians secure fair compensation. Our team has the experience, resources, and knowledge to represent your interests and guide you every step of the way.

If you need assistance with a Florida car accident claim, contact us today for a free consultation. Let us help you understand your rights and pursue the compensation you deserve.

In our latest Youtube video and podcast, the Snowbird Attorney discusses cross-border accidents.  We hope you enjoy this latest video, which is below.  Here is a summary of the video and podcast.  

Introduction to Cross Border Accidents
When I talk about cross border accidents, I'm primarily talking about accidents between Canada and the United States or neighboring states or provinces and neighboring states. Those are among the most interesting cases for me, in part, because of my experience on both sides of the border, having offices, both in Ontario and Florida, and being fortunate enough to be a member of the bar in Florida, in Michigan, in Texas and in the province of Ontario. 

We get calls very often from attorneys in Canada and the United States that represent clients in their home jurisdiction that may have been injured in some other jurisdiction. So, either a Canadian that was injured while traveling to the United States or, alternatively, an American resident or citizen that was injured someplace in Canada.

Legal Jurisdiction in Cross Border Accidents
Let's use this scenario, an Ontario resident travels to Florida for vacation and is involved in a crash. There's a whole lot I can talk about. In fact, I wrote a whole book on this, on what the rights are. And so I can't get into great, great detail here, but generally speaking, the rights and remedies of the person that's hurt is going to be, for the most part, governed, the law is governing that cause of action. typically are from the jurisdiction where the crash occurred. 

That goes back to an old Latin saying, Lex Loci Delicti. And essentially it means the law of the location or the place where the tort occurred. 

A Canadian happens to be in Florida. The law of the location where that event occurred is going to control. In that circumstance, Florida.

Impact of Auto Insurance in Cross Border Accidents
But, there's much more than that to this story. Particularly with auto insurance or auto claims. If the injury involves a motor vehicle collision, the story can change. Because then you have to look at the home jurisdiction. Cars are different from other types of injuries and there are rights and remedies that might be available in the home jurisdiction as well because of auto insurance and laws governing auto insurance and what protections they have to offer. And that will be dictated by the person's home jurisdiction. 
Complexities in Cross Border Auto Accidents
You start off with where the location of the accident is, that sort of sets the stage, but then you also have to look at where the person injured comes from. And then look at their laws and their insurance laws to see what coverages and what benefits might be available in their particular home jurisdiction.

So that's the starting point, and then it can become even more complex from there depending on types of injuries, the amount of insurance coverage available in the jurisdiction or the location where the crash occurred, and then whether the person also has to look to their home jurisdiction and their own insurance policy to pursue additional claims.

In short, there's a reason why there's a whole book on this because it's a tangled web of laws, rules, and contracts that can govern a person's rights or remedies when they're hurt while traveling abroad. 

Rights and Remedies for Injuries Abroad
So if you're in that scenario, even if it wasn't your own car, I was in a taxi in Florida, or I rented a car, whatever it might be, you still might have rights and remedies in your home jurisdiction.

If you were hurt while traveling abroad in a car accident, really important, speak to a lawyer early to make sure you're covering all your bases, covering all your rights and remedies. Car accidents are different from other types of accidents. 

Non-Auto Related Cross Border Injuries
Similar scenario, a person travels abroad from their home state or province, travels to another state and falls, slips and falls at the hotel or trips and falls in a plaza.
That's a different scenario. That claim will almost exclusively be governed by the law of the jurisdiction where the injury occurred. And then you have to look at the laws in that jurisdiction in terms of premises liability. 

Of course, there could be complicating factors with respect to health care, treatment, and the logistics of advancing a case. But from a strictly legal point of view, in those circumstances, almost always, it's the law of the location where the injury occurred that governs. 

Injuries Caused by Foreign Visitors
So now let's look at a slightly different scenario. We talked about where the injured party has gone into a new jurisdiction. But what about the scenario where the at fault party is the visitor? For the resident who's injured, they will have the protections of their home jurisdiction. 

So I'll give you an example. A resident of Florida, going to work one morning and a car from Quebec turns left in front of them and causes a crash. They might be wondering, well, what are my rights now? Because the person who caused me harm is not from my home state. Maybe not even from my home country. So what are my rights? How can you pursue someone who is from a completely different country? 
The good news is they have all of the rights and remedies. that are afforded to them by their home jurisdiction. 

Steps to Take After an Accident with a Foreign Visitor
The complicating factor in those scenarios is advancing that claim against the foreign entity, a foreign person. That person probably leaves your home state, leaves the country, goes back home, and now how do you find them? 

So in those scenarios, it's really, really important. Absolutely critical. Report the accident. You've got to report the accident. You have to have their identity recorded by the authorities. 

You need the driver's license number. If the car is from another jurisdiction, obviously the plate number of the car. If it's a Florida rental vehicle with a foreign driver, it’s the same thing, plate number is important so you can find out who the owner of that vehicle is as well. 

Report it to the authorities so that hopefully they'll record the relevant information. Take photographs at the accident scene. If there are witnesses, get the identity of the witnesses, not just their names, but more importantly their contact information in case we need to speak to them in the future. 

Just make sure you have all of the information. That you can possibly gather before this person leaves the country. Your lawyer will be in a much better position to be able to assist you in advancing that claim. 

Pursuing Claims Against Foreign Defendants
The good news is, when someone comes into your home jurisdiction and causes an injury or is negligent and causes you harm, you do have the right to pursue them. And you have the right to pursue them in the location where the accident occurred in your home jurisdiction.

In this scenario, for the Florida resident, they wouldn't have to go to Quebec and sue the defendant in Quebec. They could actually require the Quebec resident to come back to Florida to defend that lawsuit. 

The good news is, most Canadians are very well insured. In terms of auto insurance, typically the minimum limits of insurance in Canada are higher than the minimum limits within the United States. Very often those vehicles are adequately insured and those Canadian insurance companies will defend and ultimately, if you prevail, pay a claim, even though the accident happened abroad. 

We help a lot of attorneys that are dealing with foreign defendants, try to locate them, try to identify their insurance companies, put them on notice, get them served. We have a lot of experience with these cross border cases. 
​
Have Questions? Contact Us Today!
If you were injured in a car accident because of the negligence of somebody that's from another country or another state, reach out to us, request a free consultation. We're available on our website or toll free number. We're happy to listen to the facts of your particular circumstance and see if we can help you.

​

Canadian's traveling to the United States often have travel health insurance in the event of an injury.  Sometimes, after discharge from the hospital, and once you return home to Canada, you may find that the medical bills have not been paid by your insurance provider.  Maybe you got a bill from the Hospital or other healthcare provider or were even put into collections for an unpaid medical bill.  If this situation happens, it is important to understand your rights and what other options may be available to you.

Travel health insurance plans are contracts and will be governed by the policy.  An experienced insurance lawyer may be able to assist you in obtaining payment of your medical bills from your travel health insurance plan. In some situations, there may be other solutions where there is a shortfall or denial of reimbursement or payment from a travel health insurance plan,  For instance, if the injury arises because of a motor vehicle accident in the United States, as a Canadian you may have rights to advance your healthcare expenses against the insurance company for the at-fault party.  Many Canadians also have underinsured motorist coverage and first-party no-fault insurance through their own motor vehicle insurance policy.  These coverages can also be sources of payment for medical expenses incurred in the United States because of an accident.  

It is also important to know that, if your travel health insurance has paid some or all of your medical bills in the United States, they will seek reminbursement or subrogation against the party that caused your injury.  You may be required to advance a claim on behalf of the travel insurance carrier if you decide to bring a claim against the at-fault party.

If you or a loved one has been injured in the United States and have incurred medical bills, contact us to learn more about your rights to have these expenses covered. 

Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices located in Ontario, Canada and Florida, U.S.A. Andrew is a licensed attorney in Florida, Texas, Michigan and Ontario.  He restricts his practice to the representation of personal injury victims in claims involving serious injuries and wrongful death in Canada and the United States.  Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way". 

Canadian motorcycle riders often enjoy motorcycle roadtrips throughout the United States.  From Bike Week in Daytona to trips through the Western United States from Washington to Arizona, there's something for everyone.    While these rides offer stunning views and endless roads, sometimes accidents can and do happen.  For Canadian motorcycle riders injured in the United States, the aftermath can be overwhelming and confusing.  Canadian motorcycle accident victims will need to deal with healthcare and insurance claims while away from home.  The costs following a motorcycle crash can be enormous.  From expenses, losses, and pain and suffering, motorcycle riders injured in the USA will need someone on their side to help navigate the complex cross-border claims.  

We have represented many Canadian riders injured in the USA and we can help you understand your rights following a crash.  Let's cover some of the basics. 

First, medical treatment.   The most important thing after a motorcycle crash is to obtain immediate medical treatment.  Take care of yourself above all else by getting the necessary treatment.  Healthcare in the United States is among the best in the world, but it comes at a cost.  If you have travel health insurance, this should cover at least a portion of your immediate emergency expenses.  There can also be coverage avaialble from your motorcycle insurance policy.  In addition, if another vehicle was at fault for causing the crash, you may be able to advance your claims against the at-fault driver's insurance.  Navigating this can be overwhelming, but we do this everyday and can help you get your medical expenses covered.  If you received bills from US medical providers, do not be alarmed.  Call us and we can help you.  

Apart from medical treatment and associated bills, you may be wondering how you can be compensated for your injuries and expenses.  In most cases, Canadian motorcycle riders will be able to advance claims on both sides of the border.  These are insurance claims that allow you to recover your losses.  Canadians enjoy some of the best motorcycle insurance coverage available in North America.  As a result, there is a good chance that much of your claim will be covered by your Canadian insurance policy.  This is not as simple as it sounds.  Even if you have good insurance, you still need to advance a claim.  Canadian policies often include coverage for no-fault benefits and a separate coverage called underinsured or uninsured motorist coverage.  Both of these coverages are extremely important following a motorcycle crash in the United States.  We can help you determine what coverages you have and weather you can advance claims in Canada.  

In addition to your Canadian insurance claims, motorcycle riders injured in the USA will often be able to advance a claim against the at-fault driver.  These claims will be covered by the insurance company for the car and driver that caused your crash.  Insurance policy limits in the United States may be far less than those available in Canada, so it's important to have an experienced cross-border accident lawyer help you investigate the amount of coverage available.  Claims by Canadians injured in the United States will typically require coordinating the insurance claims both in Canada and the USA.  There are important steps that need to be taken to preserve your rights to claim on both sides of the border.

If you or a loved one was involved in a motorcycle crash while traveling in the United States, reach out to us for a Free Consultation.  We can help you understand your rights and there is no fee or obligation for the consultation.  Call us day or night to learn more.  

Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices located in Ontario, Canada and Florida, U.S.A. Andrew is a licensed attorney in Florida, Texas, Michigan and Ontario.  He restricts his practice to the representation of personal injury victims in claims involving serious injuries and wrongful death in Canada and the United States.  Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way". ​

Traveling to the United States as a Canadian offers exciting opportunities for exploration and relaxation. However, an unexpected accident can turn a dream vacation into a financial nightmare, especially when faced with high U.S. medical bills. If you find yourself injured in the U.S., understanding your options for covering these expenses is crucial. The Snowbird Attorney is here to assist Canadians injured in cross-border accidents and help relieve the stress of expensive U.S. hospital and medical bills.

Navigating Medical Bills in the U.S.
After an accident, U.S. hospitals and medical providers often demand immediate payment or assurance of coverage. Here’s a step-by-step guide to handling high medical bills:

1. Contact Your Travel Insurance Provider
If you purchased travel insurance before your trip, contact your provider immediately. Travel insurance often covers emergency medical expenses, including hospital stays, surgeries, and medication. Keep all medical records and invoices to facilitate the claims process.

2. Review Your Canadian Health Insurance
Canadian provincial health insurance typically does not cover the full cost of medical treatment outside of Canada. However, it may reimburse some expenses. Check with your provincial health plan to determine what is covered and submit any necessary claims.

3. Explore Your Auto Insurance Policy
If your injury resulted from a car accident, your Canadian auto insurance policy might provide some coverage for medical expenses incurred in the U.S. Contact your insurance provider to understand the extent of your coverage and initiate a claim.

4. Negotiate with Medical Providers
If your insurance does not cover all expenses, negotiate a payment plan with the U.S. medical providers. Many hospitals offer flexible payment arrangements to alleviate immediate financial pressure.

5. Pursue a Claim Against the At-Fault Party
If another party is responsible for the accident, you may be able to seek reimbursement for your medical bills through their insurance policy. This process involves filing a claim against the at-fault party, which can be complex and requires legal expertise.

6. Seek Legal Assistance
Navigating cross-border medical expenses and insurance claims can be complicated. Seeking legal assistance can be invaluable in managing these complexities and ensuring you receive the compensation you deserve.

How the Snowbird Attorney Can Help
At the Snowbird Attorney, we specialize in representing Canadians injured in cross-border accidents. Our expertise can help you navigate the complexities of U.S. medical bills and insurance claims, providing peace of mind during a stressful time.

Comprehensive Case Evaluation
We offer a thorough evaluation of your case to identify all potential sources of compensation, including U.S. insurance claims and Canadian benefits.

Negotiating with Insurance Companies
Our team negotiates with U.S. and Canadian insurance companies on your behalf to ensure you receive fair compensation for your injuries and medical expenses.

Legal Representation for Personal Injury Claims
If your injury resulted from someone else’s negligence, we can represent you in a personal injury claim, seeking compensation for medical expenses, lost wages, and pain and suffering.

Reducing Medical Expenses
We work with U.S. medical providers to negotiate reductions in your medical bills, potentially saving you thousands of dollars.

Facing high U.S. medical bills after an accident can be daunting, but you don’t have to navigate this challenge alone. The Snowbird Attorney is here to help Canadians injured in cross-border accidents, offering experience, support, and effective legal representation. Contact us today to learn how we can assist you in relieving the stress of expensive U.S. medical bills and securing the compensation you deserve.

Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices located in Ontario, Canada and Florida, U.S.A. Andrew is a licensed attorney in Florida, Texas, Michigan and Ontario.  He restricts his practice to the representation of personal injury victims in claims involving serious injuries and wrongful death in Canada and the United States.  Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way". ​

By Colton M. Leung

As a Canadian resident from British Columbia, traveling to the United States can be an exciting adventure. However, accidents can happen, and when they do, understanding your rights and insurance coverage is crucial, especially if you are injured by an underinsured motorist. The Insurance Corporation of British Columbia (ICBC) offers Underinsured Motorist Protection (UMP) to help protect you in these situations. Here, we will explore what UMP coverage entails, how jurisdictional laws affect your claims, and essential steps to ensure you maximize your protection.

Understanding Underinsured Motorist Protection (UMP)
ICBC provides Underinsured Motorist Protection, offering up to $1,000,000 in coverage for British Columbia residents injured by inadequately insured motorists in the United States. This coverage is designed to bridge the gap when the at-fault driver's insurance is insufficient to cover your medical expenses, lost wages, and other damages resulting from the accident.

Key Conditions for UMP CoverageOne critical condition of UMP coverage is the requirement to consult with and obtain written agreement from ICBC before settling with an underinsured driver or owner in another jurisdiction. This step is crucial to preserve your right to UMP benefits and ensure you do not inadvertently waive any potential claims.

Jurisdictional Laws and Their Impact
When an accident occurs in the United States, the laws of the jurisdiction where the accident happened will control your rights and may impact your claims with ICBC. Each state in the U.S. has its own set of laws regarding traffic accidents, insurance claims, and liability. These laws will determine how your claim is processed, including:

• Statute of Limitations: The time frame within which you must file a claim can vary by state. It is essential to be aware of these deadlines to avoid losing your right to compensation.
• Comparative or Contributory Negligence: Some states may reduce your compensation based on your level of fault in the accident, while others may bar recovery altogether if you are found to be partially at fault.
• Damage Caps: Certain jurisdictions may have limits on the amount of compensation you can receive for specific types of damages, such as pain and suffering.

Steps to Protect Your Rights

1. Report the Accident Immediately: Notify ICBC as soon as possible after the accident to initiate the claims process and understand your coverage options.
2. Consult a Personal Injury Lawyer: Given the complexities of cross-border accidents, consulting a personal injury lawyer experienced in both Canadian and U.S. laws can help you navigate the legal landscape and maximize your compensation.
3. Gather Documentation: Collect all necessary documents related to the accident, including police reports, medical records, and any correspondence with the at-fault driver's insurance company.
4. Follow ICBC Guidelines: Ensure that you adhere to all ICBC requirements, including obtaining their written agreement before settling any claims with the underinsured motorist.

Being injured in a motor vehicle accident in the United States as a British Columbia resident can be a challenging experience. However, understanding your rights under ICBC's Underinsured Motorist Protection and the impact of jurisdictional laws can help you navigate the claims process more effectively. By taking the necessary steps to protect your rights and seeking professional legal advice, you can ensure that you receive the compensation you deserve for your injuries and losses.

If you are a British Columbia resident injured in the United States, contact us to learn more about your rights by calling us toll free at 866-234-6093.  

Colton M. Leung is an experienced personal injury lawyer with Iacobelli Law Firm in their Canadian offices. Colton is licensed to practice law in British Columbia and Ontario, and he regularly works with attorneys in the United States to coordinate and access benefits and claims for Canadians Injured in the United States.