Update May 2019 One of the biggest concerns for Ontario motorists travelling outside Ontario is whether their insurance will cover their claims should they become involved in out of province motor vehicle accidents. This is a significant concern. Unlike Ontario which requires motorists to carry a minimum of $200,000.00 of liability coverage, in the USA most states do not require motorists to carry a minimum amount of liability insurance. The effect is that many motorists in the USA have little or no insurance coverage.   Are You Insured in Ontario?   Fortunately, if you are operating a motor vehicle outside of Ontario, you are covered as long as you have Ontario car insurance or if you are considered to be an “insured person” under some family members' Ontario automobile policy. The standard Ontario motor vehicle policy contains several important safeguards in the event of a motor vehicle operator or passenger being injured outside of ...