Auto insurance is provincially regulated, which means that the rules regarding out-of-province claims will vary from province to province. As a general rule of thumb and before heading out on a road trip, you should always check with your insurance provider exactly what, and how much you’re covered for and whether you’ll need to buy extra coverage.  For Ontario residents, there’s some good news: even though the province has a private insurance market, the provincial government has minimum coverage requirements that all drivers are required to have. The Ontario Automobile Owner’s Policy, the insurance that most Ontario drivers have, provides coverage for “incidents occurring in Canada [and] the United States of America.”  Under Ontario law, all auto insurance policies must provide:  B.C. drivers also have similar coverage when they decide to take a road trip out-of- province. The Insurance Corporation of British Columbia (ICBC)’s Autoplan, which is the minimum auto insurance plan that is required of all B.C. drivers, provides coverage everywhere in Canada and the U.S., including Hawaii and Alaska.  In most cases, your insurance claim will be governed by the laws of the jurisdiction where your accident happened. This means that if your accident takes place in Vermont, any court proceedings would also have to happen in-state.