NO! They would have New Hampshire insurance since they have New Hampshire registrations on their vehicles. That insurance would cover them in all the states that they would drive through. Every automobile policy has a clause that if your basic insurance isn't enough to cover the statutatory minimum of the state that you are driving in, then the policy limits will increase to meet the state minimum insurance requirements of that state. If the policies didn't have this clause, then there would be a lot of confusion about insurance in every state. If you read your policy, it will also include covering your automobile while you are driving in Canada, but not Mexico. If you enter Mexico with your automobile you must purchase a Mexican insurance policy.Have never heard of that!
Perhaps all the NH cars I see around here in Summer, DO have MA compulsory insurance.
Plenty of speeders from all states get stopped here, as only one hwy. route, and it has 40MPH limit.
I grew up in MA, but I live in Florida.
I spend most of my Summer in MA.
Yes, most U.S. car insurance policies extend their coverage to Canada. The U.S. and Canada have reciprocal laws that recognize each other's vehicle insurance. This means that your U.S. insurance will protect you with the same coverage, limits, and liabilities when you visit Canada.
You should be able to drive with your insurance card, but it's recommended to have proof of coverage limits. You can bring your entire policy declaration page and information in case a border patrol officer requests it.
You may be required to get a non-resident, inter-provincial liability insurance card. This card will give you all the coverage you need to drive anywhere in Canada.
AAA members can also use benefits like roadside assistance while in Canada.
No, your U.S. auto insurance policy won't cover you in Mexico. You'll need a special Mexican auto insurance policy to legally drive in Mexico. You can get this policy through an insurance agent.
Some companies that offer Mexico car insurance options include GEICO, Allstate, Progressive, AAA, and Mexpro.
You can buy Mexico-specific policies for cars, RVs, and motorcycles. You can buy these plans for only as long as you're in the country.
You'll also need:
- A valid U.S. passport (or U.S. green card)
- A valid U.S. driver's license (or international driving permit)
- Vehicle registration documents
- A temporary vehicle importation permit (TVIP)
- A Mexico tourist card (Forma Migratoria Múltiple, or FMM)