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california car insurance quotesThe non-government auto insurance schemes he said all extend cover to insureds in respect of car accidents that occur within Canada, america, or on a vessel plying between your ports of those countries. But this must be read susceptible to conflict of law rules applicable to contract disputes. Although there is absolutely nothing to prevent a non-resident from obtaining insurance in one of these provinces,  the insurance will be governed by the “proper law” of the contract. This might have the effect of imposing on the contract the terms prescribed by the law of some jurisdiction apart from that where the contract was made. Since the relation to no-fault insurance are usually prescribed by law, the facts of coverage, including benefit levels, may be different from those appearing in the policy. In most provinces the choice of law rule applicable during these circumstances is provided by statute. In Ontario the appropriate section states: In which the subject-matter of the contract of insurance coverage is property in Ontario or an insurable interest of a person resident in Ontario, the contract of insurance, if signed, countersigned, issued or delivered in Ontario or dedicated to the post office in order to any carrier, messenger or agent to be delivered or handed over towards the insured, his assign or agent in Ontario shall be deemed to evidence a contract made therein, and the contract shall be construed according to the law thereof, and all moneys payable underneath the contract will be paid at the office from the chief officer or agent in Ontario from the insurer in lawful money of Canada. Car insurance quotes in
Thus, in an Ontario court,  Ontario law is going to be applied if one from the criteria, such as the insured being resident within the province, is met and also the policy is signed or delivered there.

When the requirements from the section aren’t met, common law conflict of law rules may, theoretically, still apply to bring a policy underneath the law of a particular jurisdiction. Quite simply, the proper law of the contract can always be that of Ontario, for example, even if neither the subject matter can be found in Ontario nor the insured resident there. However, this is unlikely to be the situation frequently since it appears the connection from the contract to the jurisdiction must be more than the truth that the contract was prepared there. nKutzimerv. Allstate Insurance Co. ,  the insured would be a resident of recent Brunswick, the policy was delivered in New Brunswick and the vehicle was registered there. The insurer s office was situated in Ontario and also the application for insurance was received and approval given in that province. The insured sought to recover no-fault death benefits at the level payable under the Ontario scheme. A legal court held that New Brunswick law was the correct law from the contract. In the result, the claimant was denied Ontario benefits by the Ontario court more here.