Vehicle Insurance & Registration in US

[Eenerz 0]

Thank you very much, that's helpful and good to know. So is it a standard the 14-day thing? I mean, there wouldn't be some companies who allow less than 14 days for a grace period? Do I have to call my insurance company to tell them or just wait until I get the insurance transferred and then, obviously, they will know our policy with them is being cancelled? Thanks again. I prefer if we don't have to pay it off before we get a US insurer, but at least there are only about 3 months left owing on it, so that's not a big deal.

I'm not sure exactly what you are asking with regards to the cancellation. Standard is 14-days. Some companies will offer you more, however they don't have to, and it's normally taken on a case by case basis. If you've moved and you haven't told your insurance company and you get into a claim and you still dont tell them or you lie, it's called misrepresentation. This is a case where your policy is essentially wiped for the duration that you have been living somewhere else...that means no coverage for your car or anything else (the other car(s), people injuried etc)

When you do get a policy through another American company you will have to call your Canadian Insurer to cancel your policy. Our systems don't talk to each other (even within Canada for that matter) so they won't know you've obtained new insurance. You'd just be paying twice.