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.  

Seeking Medical Treatment in the United States: Why Canadians Turn to American Healthcare for Back Pain Following an Injury or Accident

Back pain is a common ailment that affects millions of people worldwide, including a significant number of Canadians.  Back pain can range from mild discomfort to debilitating chronic conditions. It often involves various parts of the spine and can result from different causes such as injury, degenerative disc disease, or nerve compression. While Canada offers universal healthcare, many Canadians choose to seek medical treatment in the United States for back pain. Here’s why and how they do it.

Reasons for Canadian Seeking Treatment in the United States
1. Access to Specialized Care
The United States is home to some of the world’s leading specialists in spinal care and neurology. For Canadians experiencing complex back pain, accessing highly specialized care can be a significant motivator. U.S. healthcare facilities often have advanced technologies and innovative treatments that may not be readily available in Canada.

2. Shorter Wait Times
One of the primary reasons Canadians seek medical care in the United States is to avoid lengthy wait times. The Canadian healthcare system, while comprehensive, can involve long delays for specialist consultations, diagnostic imaging, and elective surgeries. In contrast, U.S. facilities typically offer quicker access to these services, enabling patients to receive timely diagnosis and treatment.

3. Comprehensive Diagnostic Services
For those suffering from chronic back pain, precise and early diagnosis is crucial for effective treatment. The United States offers a wide range of diagnostic services, including MRI, CT scans, and electromyography (EMG), often with faster turnaround times. This allows patients to begin appropriate treatment sooner, potentially improving outcomes.

4. Innovative Treatment Options
U.S. healthcare providers often have access to the latest medical research and cutting-edge treatments for back pain. This includes minimally invasive surgical techniques, advanced pain management strategies, and physical therapy programs tailored to individual needs. For Canadians seeking the most current treatment options, the U.S. can be an attractive destination.

Advanced Techniques Available in the United States
Disc Replacement Surgery
Disc replacement surgery is an innovative procedure used to treat conditions like degenerative disc disease and herniated discs. This surgery involves replacing a damaged spinal disc with an artificial one, preserving motion in the spine and offering an alternative to spinal fusion. In the United States, many surgeons specialize in this procedure, using the latest technologies to ensure optimal outcomes.

Minimally Invasive Spine Surgery (MISS)
MISS techniques involve smaller incisions and the use of specialized instruments, resulting in less tissue damage, reduced pain, and quicker recovery times compared to traditional open surgeries. This approach is commonly used for treating herniated discs, spinal stenosis, and sciatica.

Laser Spine Surgery
Laser spine surgery is a minimally invasive technique that uses focused laser beams to remove portions of soft tissue or bone compressing nerves. This technique is praised for its precision and is used in procedures like discectomy and foraminotomy.

Spinal Cord Stimulation (SCS)
SCS involves implanting a device that delivers electrical impulses to the spinal cord, blocking pain signals from reaching the brain. It is often used for chronic pain conditions, including radiculopathy, when other treatments have failed.

Radiofrequency Ablation (RFA)
RFA is a technique used to treat chronic back pain by using heat generated by radio waves to destroy specific nerve fibers, interrupting pain transmission. It is a minimally invasive option for patients with facet joint pain or sacroiliitis.

Advanced Pain Management Techniques
U.S. healthcare providers often utilize a multidisciplinary approach to pain management, including targeted injections, physical therapy, and innovative medications. This comprehensive approach can help manage pain more effectively and improve overall quality of life.

Benefits of Advanced Treatment Options

• Preservation of Mobility: Techniques like disc replacement and minimally invasive surgery often preserve the natural movement of the spine, allowing patients to maintain a higher quality of life.
• Faster Recovery: Minimally invasive procedures typically result in less postoperative pain and shorter recovery times, enabling patients to return to their normal activities sooner.
• Improved Outcomes: Access to the latest technologies and surgical techniques can lead to better long-term outcomes, reducing the risk of recurrence and improving overall health.

How Canadians Access Medical Treatment in the U.S
.1. Cross-Border Healthcare Facilities
Several healthcare facilities near the U.S.-Canada border cater specifically to Canadian patients. These facilities often assist with logistics, such as coordinating appointments and handling insurance or payment matters, making it easier for Canadians to access care.

2. Medical Tourism Agencies
Some Canadians turn to medical tourism agencies to facilitate their treatment in the United States. These agencies specialize in arranging healthcare services abroad, handling everything from booking consultations to arranging travel and accommodations.

3. Direct Hospital Arrangements
Canadians may also contact U.S. hospitals directly to arrange for consultations and treatments. Many American hospitals have international patient departments that provide support in navigating the U.S. healthcare system, including assistance with financial arrangements and language barriers.

For Canadians dealing with debilitating back pain, seeking medical treatment in the United States offers the promise of specialized care, shorter wait times, and access to advanced treatments. While there are challenges to consider, the benefits of receiving timely and comprehensive care can make a significant difference in the lives of those suffering from these conditions.

If you or a loved one has been injured in a crash, and are experiencing back pain, consider treatment options in the United States.  The Snowbird Attorney may be able to assist with coordinating your insurance benefits so that your medical treatment in the United States is covered.  

An experienced cross-border injury attorney can be invaluable in navigating the complexities of insurance claims for Canadian clients seeking medical treatment in the United States following a motor vehicle accident. We can help ensure that all necessary documentation and medical records are accurately prepared and submitted to support your claim. We assist in negotiating with insurance companies to secure the maximum coverage possible for your U.S. medical expenses, ensuring that you receive the necessary treatment without undue financial burden. Additionally, we can provide guidance on cross-border legal issues, such as jurisdictional challenges and coordinating benefits between Canadian and U.S. insurers, to help streamline the process and protect your rights. By working with a cross-border injury attorney, you can focus on your recovery while we handle the legal complexities of your case.

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". 

Motorcycle enthusiasts relish the freedom of the open road, often traversing international borders for their adventures. However, accidents can happen, and for Canadian motorcycle riders injured in the United States, understanding their rights and the legal landscape is crucial. Fortunately, with experts like Andrew Iacobelli, navigating these complexities becomes more manageable.

Claiming Against the At-Fault Party in the USA
When a Canadian motorcycle rider is injured in a U.S. accident due to another party's negligence, they have the right to pursue a claim against the at-fault driver. This process involves proving the other party's fault, which can be intricate given the varying laws across U.S. states. Working with a lawyer who is well-versed in both Canadian and U.S. laws is essential to ensure that all potential avenues for compensation are explored.

Accessing No-Fault Benefits in Canada
In addition to claiming against the at-fault driver in the United States, Canadian motorcycle riders can access no-fault benefits from their own insurance policies back home. These benefits can cover medical expenses, income replacement, and other rehabilitation costs, providing crucial support during recovery. Navigating the interplay between U.S. claims and Canadian no-fault benefits requires specialized knowledge, making the role of an experienced lawyer indispensable.

Underinsured Motorist Benefits
A significant concern for injured riders is encountering an at-fault driver who is inadequately insured. In such cases, Canadian motorcycle riders can seek recourse through their motorcycle insurance policies under the Underinsured Motorist (UIM) coverage. This provision allows injured riders to claim additional compensation from their own insurance company, ensuring they receive adequate support even when the at-fault party's insurance falls short.

The Snowbird Attorney: A Leading Expert in Cross-Border Motorcycle Accident Claims
Andrew Iacobelli stands out as a leading lawyer in cross-border motorcycle accident claims. Practicing law in both Canada and the United States, with offices in Ontario and Florida, Andrew and his team regularly represent Canadian motorcycle victims injured in the USA. His extensive expertise ensures that clients receive comprehensive legal support tailored to the nuances of cross-border claims.

Andrew Iacobelli is a lifetime member of the Million Dollar Advocates Forum, a testament to his track record of achieving substantial settlements and verdicts for his clients. He is also the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way," a valuable resource for injured Canadians navigating the complex claims process.

Trusted by Peers Across Borders
Our reputation extends beyond his clients; Andrew Iacobelli is regularly called upon by lawyers in both Canada and the USA to assist with cases involving Canadians injured in motorcycle crashes throughout the United States. His dual practice and deep understanding of the legal frameworks in both countries make him a sought-after expert in this niche area of law.

For Canadian motorcycle riders injured in the United States, understanding their rights and the legal avenues available is paramount. With the guidance of an experienced lawyer, riders can confidently navigate the complexities of cross-border claims. Whether it's pursuing compensation from an at-fault driver in the USA, accessing no-fault benefits in Canada, or claiming underinsured motorist benefits, having a seasoned advocate makes all the difference in achieving a favorable outcome.

If you have questions about a mtorocycle accident in the United States, reach out to us to learn more and to request a Free Consultation. 

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 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". 

When an Ontario Canadian resident gets injured in a car accident in Florida, the legal and insurance implications can be complex, especially if the at-fault driver is inadequately insured or uninsured.  The Florida case of Erie Ins. Exch. v. Larose (202 So.3d 148), provides critical insights into whether an Ontario Canadian resident can commence an action against their insurance provider in Florida or must do so in Canada.

Case Overview: Erie Ins. Exch. v. Larose
In this case, Albert Christopher Larose, a Florida resident, was injured in a car accident in Florida while driving a vehicle insured by Erie Insurance Exchange, a Pennsylvania-based company. The vehicle was principally garaged in Wisconsin, and Erie had issued the policy to a Wisconsin company. Larose filed a claim for uninsured motorist (UIM) benefits under the policy, which Erie denied, prompting Larose to file a lawsuit in Florida.

Erie moved to dismiss the case, arguing that Florida courts lacked personal jurisdiction over it since Erie had no business operations or contacts in Florida. The Florida trial court initially found that it had jurisdiction, but this decision was later reversed on appeal.

Key Legal Issues

• Long-Arm Jurisdiction: The court considered whether Florida’s long-arm statute, which allows for jurisdiction over out-of-state defendants under certain conditions, applied. Specifically, Larose argued that Erie’s refusal to pay UIM benefits constituted a breach of contract in Florida, thereby establishing jurisdiction.

• Minimum Contacts and Due Process: Even if long-arm jurisdiction was established, the court had to determine whether Erie had sufficient minimum contacts with Florida to satisfy constitutional due process requirements. The Supreme Court's precedent requires that a defendant must purposefully avail itself of conducting activities within the forum state for due process to be satisfied.

Court’s Decision
The appellate court ultimately found that while Larose established a statutory basis for long-arm jurisdiction, Erie did not have the requisite minimum contacts with Florida. The court highlighted that Erie’s issuance of an insurance policy to a Wisconsin entity, covering a vehicle that was primarily garaged in Wisconsin, did not constitute purposeful availment of conducting activities in Florida. The court concluded that subjecting Erie to Florida’s jurisdiction would violate constitutional due process.

Implications for Ontario and Canadian Residents
For Ontario residents injured in Florida, this case underscores several critical points:

• Jurisdictional Challenges: If the at-fault driver is inadequately insured or uninsured, and the injured party seeks to claim UIM benefits from their insurer, the jurisdiction where the action is filed becomes crucial. If the insurer has no substantial connection to Florida, Florida courts may lack personal jurisdiction.
• Action Against Insurers: Ontario residents may need to file claims against their insurers in Ontario or the jurisdiction where the insurance policy was issued, rather than in Florida. This can complicate the legal process, requiring the assistance of legal professionals familiar with cross-border insurance claims.
• Policy Terms and Conditions: It’s essential for policyholders to understand the terms and conditions of their insurance policies, including the geographic scope of coverage and the specified jurisdiction for legal actions.

The Erie Ins. Exch. v. Larose case illustrates the complexities of cross-border insurance claims and highlights the necessity for careful planning and expert legal guidance for Ontario residents injured in Florida. Understanding the jurisdictional nuances can significantly impact the outcome of an insurance claim and ensure that injured parties receive the compensation they deserve.

We regularly assist Canadians injured in the United States.  With offices in Florida and Ontario we are regularly consulted by lawyers both in Canada and the United States to assist with their cross-border injury claims.  If you have questions about an accident in the United States, reach out to us to learn more and to request a Free Consultation. 

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 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". ​

Many Canadians, fondly referred to as "Snowbirds," annually escape the frigid winters of Ontario for the warm embrace of Florida. However, while the prospect of owning a vehicle in Florida may seem appealing for convenience, it comes with significant insurance risks. This blog explores why it's prudent for Ontario Snowbirds to bring their Canadian vehicles with them instead of purchasing or registering a vehicle in the Sunshine State.

Understanding Family Protection Coverage in Ontario
In Ontario, auto insurance policies generally include family protection coverage. This important feature offers additional security by covering the shortfall in damages caused by an underinsured motorist. Whether you or a family member are involved in an accident, this coverage can be crucial in bridging the financial gap left by other drivers' inadequate insurance policies, providing both peace of mind and substantial financial relief.  

The Risks of Florida Vehicle Registration
While Florida's sunny skies are inviting, the state's auto insurance landscape presents challenges, particularly for those used to the robust protections offered by Ontario policies. It's not uncommon for Florida-registered vehicles to have minimal, if any, third-party liability insurance. This poses a substantial risk, especially in a state known for high medical costs resulting from accidents. Without the comprehensive safety net of family protection coverage, Ontario residents could face significant out-of-pocket expenses if involved in a collision with a poorly insured driver.  

In the vast majority of cases we handle on behalf of Canadians injured in the United States, the at-fault party has either no insurance to cover your losses, or is inadequately insured.  This is the situation in upwards of 95% of cases we handle on behalf of Canadians injured in the USA.  It is a real concern.  The Ontario auto policy provides coverage for you and your family in the event that you are injured and incur medical expenses, lost wages, and pain and suffering due to the fault of another vehicle in Florida.    Most Ontario policies provide at least one million dollars in coverage for such events.  

Gaps in Family Protection Coverage
Should an Ontario resident decide to purchase and insure a vehicle in Florida, they may discover that their family protection coverage does not extend to vehicles registered outside Canada. This coverage gap can lead to severe financial strain in the event of an accident with an underinsured motorist. It's essential to note that family protection coverage typically applies only to vehicles insured under the same policy and may exclude vehicles owned or leased beyond a 30-day period unless specifically covered.

Practical Scenarios and Solutions
Consider a scenario where an Ontario Snowbird, let's call him John, owns two cars: one insured in Ontario and the other in Florida. If John is involved in an accident while driving his Florida-registered car and the at-fault driver lacks sufficient insurance, John may not be covered under his Ontario policy's family protection coverage for that vehicle. 

Additional Precautions
When vacationing in the U.S., comprehensive travel and health insurance are crucial to cover unforeseen medical expenses. Additionally, Snowbirds should explore underinsured motorist coverage in Florida, although this can be costly due to the higher risk of claims in the state.

Conclusion
The allure of owning a vehicle in Florida is clear, but the insurance implications are considerable. Ontario Snowbirds should carefully weigh the benefits of convenience against the potential financial risks. By retaining their Ontario vehicle registration and taking proactive insurance measures, Snowbirds can enjoy their time in Florida without undue worry about insurance coverage gaps.

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 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". ​

Introduction:
Picture this: you're strolling through the vibrant streets of Florida, when suddenly, a slip and fall incident casts a shadow on your sunshine-filled adventure. In moments like these, understanding your rights and navigating the legal landscape becomes paramount.

Understanding the Basics: Slip and Fall Accidents in Florida
In the aftermath of a slip and fall, seeking medical attention should be your immediate priority. Not only for your well-being but also for the strength of any potential legal claim. Document the scene, gather evidence, and note down any witness information to fortify your case.

Florida operates under a comparative negligence system, meaning fault can be shared. Understanding this concept is crucial, as it may impact the compensation you are entitled to. An experienced slip and fall lawyer will explore the nuances of your case to establish liability.

Property owners in Florida have a duty to maintain a safe environment. If your slip and fall occurred due to their negligence—be it a wet floor, uneven surfaces, or inadequate signage or lighting—you may have grounds for a personal injury claim.

The Legal Landscape for Injured Canadians:
Dealing with insurance companies post-accident can be a labyrinth. As your legal guide, I'll help you navigate this maze, ensuring you communicate effectively with the property owner and their insurers in Florida.

Time is a critical factor. In Florida, there's a statute of limitations for personal injury claims, including slip and fall incidents. Acting promptly is not just advisable; it's imperative to protect your right to seek compensation.

Why Legal Representation Matters:
Engaging legal representation, especially one well-versed in the area of slip and fall cases in Florida, is a important step toward a successful outcome.  The goal isn't just justice—it's securing fair compensation for your injuries, medical expenses, and any additional damages.

Conclusion:
To Canadians facing the aftermath of a slip and fall accident in Florida, remember—you don't have to navigate this journey alone. I'm here to guide you through the legal landscape, ensuring your rights are protected.
​
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 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". 

If you are a Canadian involved in a car accident here in Florida, it is important to know that the Ontario Health Insurance Plan (OHIP) can have a right of subrogation in cases like yours.

OHIP is Ontario's public health insurance system, and if you're an Ontario resident, it typically covers your medical expenses, even if the accident occurred outside of Canada. What this means is that if OHIP has paid for your medical treatment related to the car accident, they may have the right to seek reimbursement for those expenses from any compensation you receive in the United States.

For example, if you receive a settlement from the at-fault driver's insurance company, OHIP may assert a claim to recover the amount they've paid for your medical care. This is known as a subrogation claim.

Keep in mind that the rules and regulations surrounding subrogation can be quite complex, and the process can vary based on the specific circumstances of your case. It's crucial to work with an experienced attorney who is well-versed in personal injury law and familiar with the cross-border implications of these situations. Your attorney can help you navigate the subrogation process and work to maximize the compensation you ultimately receive.

In addition, if you have travel insurance that pays for medical expenses in the United States, this insurance policy will also have a right of reimbursement from your settlement.  

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 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". ​