![]() 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".
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![]() The Snowbird Attorney, Andrew Iacobelli understands that being involved in a motor vehicle accident is frightening especially when you are a Canadian injured in Florida. Andrew is often referred to as the Lawyer for Canadians, the Snowbird Lawyer or Snowbird Attorney because he has helped countless Canadians that have been injured in the United States. The Snowbird Attorney regularly represents Canadian residents who have been seriously injured while visiting the United States and can coordinate access to benefits from your Ontario Insurance policies, as well as available policies from US insurers. Where necessary, we have a network of professionals within the United States as well. Following an accident or injury in the United States, you may be worried and confused about your legal rights and options. It’s difficult to deal with a serious accident when you are a Canadian injured while visiting Florida. In addition to worrying about your health and well-being, you may be faced with a complex insurance claims process, expensive medical bills and many more decisions. Insurance companies and healthcare representatives may be asking you to make decisions and sign documents. You will have many questions. Attorney, Andrew Iacobelli recognized an important need to reach Canadian residents that have been injured in Florida to not only share important information but to also allow Canadians to reach out to a Personal Injury Lawyer who can help with Snowbird Accidents. “Ask the Snowbird Attorney” is an online group where members can discuss their concerns, ask questions and will help you decide if you need to speak with The Snowbird Attorney. Have you been injured in Florida and have questions? We encourage you to join the group at: Ask The Snow Bird Attorney | Facebook. Before speaking with the insurance company, it is important to know your rights and you do not have to face the consequences of an accident in the United States alone. Personal injury attorney, Andrew Iacobelli, is experienced in cross-border personal injury cases and maintains offices in Ontario, Canada and Florida, USA. Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way". Call us for a FREE CONSULTATION at 1-866-234-6093. We are available 24/7. |
AuthorAndrew Iacobelli is a lawyer, licensed to practice law in Florida, Texas Michigan and Ontario. Andrew restricts his practice to the representation of individuals that have been seriously injured. Archives
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