My wife and I are driving our personal vehicle to Niagara Falls on Wednesday. We have an insurance policy for the car and it didn't even cross my mind that we'd need anything special traveling to Canada....especially given that our cards say in bold capital letters "COVERAGE VALID EVERYWHERE IN US AND CANADA". But a friend of my wife's just got done telling her that we need to get a special insurance card for proof of insurance in Canada and that our standard US insurance cards wouldn't be acceptable in event of an accident. Since I can't get in touch with our agent until the morning, I just hopped online to try to do some research and all I got was confused as to what the requirements are. Can anyone clarify what the policy is and what penalties we'd possibly face since its unlikely we'd be able to obtain a hard copy of any additional required paperwork in time?