{"id":101176,"date":"2026-08-31T12:45:00","date_gmt":"2026-08-31T16:45:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/endorsement-faq-20-in-quebec-2026-out-of-province-driving-usa-and-canada\/"},"modified":"2026-08-31T12:45:37","modified_gmt":"2026-08-31T16:45:37","slug":"endorsement-faq-20-in-quebec-2026-out-of-province-driving-usa-and-canada","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/endorsement-faq-20-in-quebec-2026-out-of-province-driving-usa-and-canada\/","title":{"rendered":"Endorsement FAQ 20 in Quebec 2026: Out-of-Province Driving (USA and Canada)"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}.entry-content .ez-toc-widget-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/logo-assur360.png\", \"telephone\": \"1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"QC\"}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you a snowbird in Quebec and you&#8217;re going to Florida for 4 months? Are you driving in Ontario for work? Without the <strong>FAQ 20 endorsement<\/strong>, your Q.P.F. n\u00b01 auto policy may no longer cover your extended stay outside Quebec. Our <strong>Assur360 brokers<\/strong>, AMF certified, will decipher in 2026 when this endorsement becomes mandatory, its cost and the famous yellow card card.   <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Amendment FAQ 20<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Drive-safely-in-the-USA-and-outside-Quebec\"><\/span>Drive safely in the USA and outside Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers verify that your car policy covers you wherever you drive \u2014 Florida, Ontario, New Brunswick.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Add FAQ 20 for free<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\"><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$20-50<\/div><div style=\"color:#64748b;font-size:13px;\">Annual cost<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30 days<\/div><div style=\"color:#64748b;font-size:13px;\">Limit before FAQ 20<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$2M<\/div><div style=\"color:#64748b;font-size:13px;\">RC USA recommended<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">50<\/div><div style=\"color:#64748b;font-size:13px;\">States Covered<\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-the-FAQ-20-amendment-becomes-mandatory\"><\/span>When the FAQ 20 amendment becomes mandatory<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf34<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Snowbirds Florida<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Stay of 3 to 6 months per winter. Without FAQ 20, your insurer can deny the claim as early as the 31st day. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe2<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Working outside Quebec<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">2-6 month contract in Ontario, New Brunswick or the United States with your personal vehicle.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe1<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Second home<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Cottage in Old Orchard or Cape Cod with your Quebec car parked on site several months a year.<\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-add-the-FAQ-20-addendum\"><\/span>How to add the FAQ 20 addendum<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\"><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Contact your broker 2 weeks before departure<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our Assur360 brokers adjust your policy within 24 hours and send you the up-to-date Carte Jaune.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Communicate the exact duration and destination<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insurer adjusts the premium according to the number of days and the region (USA, Ontario, other).<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Receive the Carte Jaune<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">This card proves your coverage to U.S. authorities. Keep in the vehicle at all times. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Increase your liability limit<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">U.S. lawsuits are higher. Go from $1 million to $2 million for about $20-40 more per year. <\/p><\/div><\/div><\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Snowbirds: the winning combo<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Combine <strong style=\"color:#ffffff;\">FAQ 20 + $2M RCA + Extended Roadside Assistance Endorsement<\/strong>. Total cost: $60-120\/year to cover a 6-month stay in Florida, compared to $1,500-3,000 for U.S. term auto insurance. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-prices-FAQ-20-in-2026-in-Quebec\"><\/span>Indicative prices FAQ 20 in 2026 in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:14px;\"><thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Duration outside QC<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Region<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Annual cost*<\/th><\/tr><\/thead><tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Snowbird Florida<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3-4 months\/year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">USA (Florida)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25-45<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Snowbird Long Term<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5-6 months\/year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">USA (Florida, Arizona)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$35-55<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Mobile Worker Ontario<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3-6 months<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Ontario\/NB<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$20-35<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Secondary Owner USA<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Repeat Stays<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">USA East Coast<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$40-60<\/td><\/tr><\/tbody><\/table><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Major Financial Risk with No FAQ 20<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">An at-fault accident in the U.S. without an FAQ 20 endorsement after 30 days can cost you <strong>several hundred thousand U.S. dollars<\/strong>. This is not an optional endorsement for snowbirds \u2014 it&#8217;s a necessity. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Snowbird or mobile worker?<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Get your policy checked before you leave<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers add FAQ 20 in 24 hours and provide the Carte Jaune \u2014 free service.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compare-the-3-car-mobility-endorsements\"><\/span>Compare the 3 car mobility endorsements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf0e<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 20 \u2014 Outside Quebec<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$20-50\/year. Extends Q.P.F. No. 1 to the USA and other provinces for long stays. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 34 \u2014 Replacement Vehicle<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$30-70\/year. Car rental during disaster repairs. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude99<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 33 \u2014 Rented Vehicle<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$20-40\/year. Coverage for Turo, Communauto and other short-term rentals. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assur360-covers-all-of-Quebec\"><\/span>Assur360 covers all of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> or <strong>Thetford Mines<\/strong>, our AMF-certified brokers compare the FAQ 20 endorsement and other auto endorsements with several partner insurers in Quebec.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">FPQ 5 vs 43A vs 43D Endorsement<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">The 3 replacement cost coverages in Quebec explained.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/endorsement-faq-34-in-quebec-2026-replacement-vehicle-cost-and-effective-date\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Endorsement FAQ 34 \u2014 replacement vehicle<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">How much does the endorsement that provides you with a courtesy car cost?<\/p><\/a><a href=\"\/blog\/mes-finances\/avenant-faq-33-vehicule-loue-turo-communauto\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Endorsement FAQ 33 \u2014 Turo and Communauto<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">The endorsement that covers short-term rentals between individuals.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/i-compared-7-car-insurers-quebec-2026-400-difference-broker-guide\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comparison of 7 car insurers in Quebec<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Price, service, reputation \u2014 see the 2026 ranking.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-the-FAQ-20-amendment\"><\/span>Frequently asked questions about the FAQ 20 amendment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\"><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the FAQ 20 addendum?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The FAQ 20 endorsement extends your Q.P.F. n\u00b01 auto policy to the United States and other Canadian provinces for extended stays (more than 30 days) or for certain specific uses outside Quebec.<\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I really need the FAQ 20 endorsement to go to the USA?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a tourist stay of less than 30 days, your standard policy already covers you in the United States. The FAQ 20 endorsement becomes necessary for snowbirds (stays of 3-6 months) and for owners of second homes in the USA. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the Carte Jaune replace the FAQ 20 amendment?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. The Carte Jaune (&#8220;Liability Financial Card&#8221;) is proof of insurance to be presented to the U.S. authorities in the event of an accident. The FAQ 20 endorsement is what really extends your coverage for long stays.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does the FAQ 20 endorsement cost in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In 2026, the FAQ 20 endorsement typically costs $20 to $50 per year depending on the duration and region covered. A fraction of the cost of term travel car insurance purchased at the last minute. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the FAQ 20 endorsement cover liability in the USA?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, your civil liability limit applies in the U.S. \u2014 but the amounts recommended by brokers are higher ($1 million minimum, $2 million recommended) because U.S. lawsuits can greatly exceed Quebec amounts.<\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if I have an accident without FAQ 20 in the US?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Without FAQs 20 and beyond 30 days, your insurer may deny the claim or consider that the vehicle was no longer &#8220;in Quebec&#8221; within the meaning of the contract. The financial risk is major \u2014 up to hundreds of thousands of U.S. dollars. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I take out the FAQ 20 addendum after I leave?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, you must add the endorsement BEFORE you leave. Contact your Assur360 broker at least 2 weeks before your departure to adjust your policy and receive the up-to-date Carte Jaune. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the FAQ 20 endorsement cover Mexico?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, the FAQ 20 endorsement only covers the continental United States and other Canadian provinces\/territories. For Mexico, you must purchase separate Mexican car insurance (agent at the border or online). <\/div><\/details><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Qu'est-ce que l'avenant FAQ 20 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'avenant FAQ 20 \u00e9tend votre police auto Q.P.F. n\u00b01 aux \u00c9tats-Unis et aux autres provinces canadiennes pour les s\u00e9jours prolong\u00e9s (plus de 30 jours) ou pour certains usages sp\u00e9cifiques hors Qu\u00e9bec.\"}}, {\"@type\": \"Question\", \"name\": \"Ai-je vraiment besoin de l'avenant FAQ 20 pour aller aux USA ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un s\u00e9jour touristique de moins de 30 jours, votre police standard vous couvre d\u00e9j\u00e0 aux \u00c9tats-Unis. L'avenant FAQ 20 devient n\u00e9cessaire pour les snowbirds (s\u00e9jours de 3-6 mois) et pour les propri\u00e9taires de r\u00e9sidence secondaire aux USA.\"}}, {\"@type\": \"Question\", \"name\": \"Est-ce que la carte carte-jaune remplace l'avenant FAQ 20 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. La carte carte-jaune (\\\"carte financi\u00e8re responsabilit\u00e9\\\") est une preuve d'assurance \u00e0 pr\u00e9senter aux autorit\u00e9s am\u00e9ricaines en cas d'accident. L'avenant FAQ 20 est ce qui \u00e9tend r\u00e9ellement votre couverture pour de longs s\u00e9jours.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'avenant FAQ 20 au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"En 2026, l'avenant FAQ 20 co\u00fbte typiquement 20 \u00e0 50 $ par ann\u00e9e selon la dur\u00e9e et la r\u00e9gion couverte. Une fraction du co\u00fbt d'une assurance auto voyage temporaire achet\u00e9e \u00e0 la derni\u00e8re minute.\"}}, {\"@type\": \"Question\", \"name\": \"L'avenant FAQ 20 couvre-t-il la responsabilit\u00e9 civile aux USA ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, votre limite de responsabilit\u00e9 civile s'applique aux USA \u2014 mais les montants recommand\u00e9s par les courtiers sont plus \u00e9lev\u00e9s (1 M$ minimum, 2 M$ conseill\u00e9) car les poursuites am\u00e9ricaines peuvent d\u00e9passer largement les montants qu\u00e9b\u00e9cois.\"}}, {\"@type\": \"Question\", \"name\": \"Que se passe-t-il si j'ai un accident sans FAQ 20 aux \u00c9tats-Unis ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Sans FAQ 20 et au-del\u00e0 de 30 jours, votre assureur peut refuser la r\u00e9clamation ou consid\u00e9rer que le v\u00e9hicule n'\u00e9tait plus \u00ab au Qu\u00e9bec \u00bb au sens du contrat. Le risque financier est majeur \u2014 jusqu'\u00e0 des centaines de milliers de dollars US.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je souscrire l'avenant FAQ 20 apr\u00e8s mon d\u00e9part ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, il faut ajouter l'avenant AVANT de partir. Contactez votre courtier Assur360 au moins 2 semaines avant votre d\u00e9part pour ajuster votre police et recevoir la carte carte-jaune \u00e0 jour.\"}}, {\"@type\": \"Question\", \"name\": \"L'avenant FAQ 20 couvre-t-il le Mexique ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, l'avenant FAQ 20 couvre uniquement les \u00c9tats-Unis continentaux et les autres provinces\/territoires canadiens. Pour le Mexique, vous devez souscrire une assurance auto mexicaine s\u00e9par\u00e9e (mandataire \u00e0 la fronti\u00e8re ou en ligne).\"}}]}<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> comparator<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms in <strong>Quebec<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Bilingual<\/strong> service FR + EN<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Go easy<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Add FAQ 20 in 24 hours<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free quote with full verification of your policy and yellow card included.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Mes finances\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Avenant FAQ 20\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/avenant-faq-20-conduite-hors-quebec\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Endorsement FAQ 20 in Quebec 2026: driving in the USA and out of province. Cost, yellow card card, 30-day threshold \u2014 explained by our brokers. <\/p>\n","protected":false},"author":49,"featured_media":101177,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"2026 FAQ 20 Endorsement: Driving in the USA and Outside Quebec | Assur360","_seopress_titles_desc":"Endorsement FAQ 20: Driving in the USA and outside Quebec 2026. Coverage, cost $20-50\/year, yellow card cards. 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