07-09-2007, 10:37 PM
Talk to your insurance company (not the broker, the company itself), see what they say. Don't make a claim (duh)....but they should be able to advise you where you stand for free. They MUST have dealt with 'over-the-border' disputes before, and will have some experience about what to do. You can also trust them to steer you right. Worth a try before doing anything else, no?