The realities of North American geography and the mobility of its inhabitants make it inevitable that, from time to time, people suffer injuries in car accidents away from jurisdiction by which they reside, according to auto insurance in Pennsylvanian sources tell me Largely because there are various no-fault schemes in Canada which are not uniform, certain questions arise concerning the effect of extra-jurisdictional factors on the rights and obligations, under each scheme, of victims, insurers along with other parties involved. Get auto insurance quotes in Pennsylvania from http://www.carinsuranceinpennsylvania.org/.
Essentially, there are two matters which might arise within this context. One is the result, if any, of the existence of extra-territorial considerations on the obligation of the insurer to pay benefits. The other is the- effect, if any, from the information on a no-fault scheme and associated rules restricting tort claims in one jurisdiction on the tort liability of a defendant in another jurisdiction. The truth that you will find both contractual and tort rules involved complicates the picture in terms of conflict of law rules and it’s useful to keep your two entirely separate for the purpose of discussion. It’s also convenient to divide the topic of the insurer s obligation into three parts. The very first of those concerns those situations where the insurer must treat
the victim as though there were no extra-territorial elements in the facts from the case. The second part identifies those circumstances in which the insurer needs to assume the obligations required of an insurer in another jurisdiction. The 3rd deals with cases in which insurers from several jurisdiction are independently obligated to reply to exactly the same loss Pennsylvania insurance.
EXTRA-TERRITORIAL SCOPE OF COVERAGE
Insurers under all Canadian schemes must respond to some claims involving extra-territorial factors as though they had arisen entirely inside the jurisdiction. The British Columbia scheme provides cover for an “insured” for death or injury caused by any sort of accident that occurs in Canada, or, in the case of an insured other than a cyclist or pedestrian, any place in america or on the vessel travelling between Canada and the Usa. An pennsylvania auto insurance “insured,” it will be recalled, is anyone named within an owner’s or driver’s certificate (being proof of insurance), a member of such person’s household, an occupant of the vehicle licensed within the province which isn’t required to be licensed but which is operated with a person named in a driver’s certificate, or perhaps a cyclist or pedestrian who collides in Canada having a vehicle described in an owner s certificate. Thus, anyone who is struck anywhere in Canada by a B.C. vehicle is entitled to claim B.C. benefits, much like the occupants of the B.C. vehicle in an accident any place in Canada or the Usa. Lear more here www.insurance.pa.gov