Amex accidents insurance is good enough for most Canadian drivers, but if you’re an accident victim, the Canadian insurance market might not be what you’re looking for.
Here’s how to get coverage in the U.S. and Canada.
When you call Amex’s auto insurance agent in Canada, they’ll tell you to check with the provincial insurance authority in your home province to see if there’s any coverage available.
In some provinces, they might provide coverage at a reduced rate.
In other provinces, you might need to pay a higher rate.
The problem is that Canadian drivers who get their car insurance through Amex might not have the same level of coverage as drivers in the United States.
In most provinces, the company will offer only limited coverage, such as limited liability and comprehensive.
For example, if your car was totaled in California, you won’t be covered by Amex coverage.
In the United Kingdom, it’s not as simple.
If you’re a British driver who lost your car in a collision in England, it might be covered in your country’s auto insurer.
However, if you drive in the Netherlands, it’ll likely be covered only by the insurance company there.
And in the States, the coverage offered by your local insurer is usually limited to a fixed amount of money.
In the U, you’ll need to call your insurance company and get a quote from them to determine if they offer you coverage.
If they don’t, you may have to pay more than you would if you went directly to the insurer.
The same applies if your insurance claims are denied.
Depending on where you live, your insurance can cover up to 50% of your car’s deductible, or the amount you’ll pay out of pocket for repairs.
If you lose your car, you can still have it repaired.
The insurance company will cover you for your costs, but you’ll likely have to wait until the repairs are completed before you can apply for insurance.