What You Need To Know About Auto Insurance When Traveling Interstate

Traveling by car to a vacation destination can be a great way to save on transportation costs and to see and experience some of the beautiful roadways that exist across America. Whether your trip is just across the border to the neighboring state, or if it is across several states, you should be aware of some insurance considerations.

Your main concerns when traveling will involve liability insurance in case you cause an accident and auto repair insurance in case your car is damaged. There are many options available and traveling across the country by car is a wonderful way to experience your next vacation. Knowledge of your policy and some important state-to-state considerations will help to give you peace of mind when you hit the road.

Where Are You Covered?

The standard personal auto policy is very common and even cheap auto insurance companies will utilize this auto insurance form. It has a provision that specifically addresses those times when you drive out of state. It provides you with the same coverage that you have at home, wherever you travel which should give you ample peace of mind that you will be financially protected if you cause accident that results in an injury to someone else, or if you damage someone else’s property.

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You might find that your policy does not have limits or coverage provisions that are required in a state through which you may drive. As outlined by Auto Insurance America of Nevada, New Mexico and Arizona, each state has different liability limits that may not match your own. If that happens your personal auto, policy has a mechanism to address that. It will increase your coverage to the minimum limits required for whatever state that you may find yourself when an accident occurs.

For those cases where high-risk drivers need a policy with minimum limits, you may want to contact an agency that sells just auto insurance. As an example, Lincoln Auto Insurance Agency specializes in providing high-risk insurance to those who may only be eligible for minimum limits, which will increase automatically if you travel to another state with higher minimum limits.

What If You Drive A Different Vehicle?

If you want to make certain that you have coverage while driving another vehicle, it is best to verify that there is proper coverage on that vehicle. You must also have permission to drive that car in order for coverage to apply. Permissive use does not require anything other than a verbal acknowledgement that you were allowed to drive the vehicle.

In some cases, people will travel out of state intent on purchasing a new vehicle. Insurance auto auctions are available in many states and it is common for people to travel many miles to shop at these auctions. For new vehicles, contact your agent directly to obtain insurance before you drive the car.

The general rule in auto insurance is that coverage follows the vehicle. If you drive a borrowed vehicle, the policy in place for that vehicle will be the primary insurance coverage while you are driving. Your own insurance will be required if a claim exceeds the limits of the policy placed on the vehicle involved in the accident however.

What Is My Coverage Territory?

Not all policies are the same, but even the cheapest auto insurance policy will provide coverage for your auto in United States, its territories, Puerto Rico, and Canada. In some cases, you may find that coverage extends to Mexico as well. This coverage can often be added by endorsement, or a separate Mexico auto insurance policy can be obtained.

Is There Coverage For My Trailer?

When using a personal vehicle for traveling across state lines, most trailer towing activities will involve campers or small travel trailers used to carry personal items.

A personal auto policy will cover any trailer designed to be pulled behind a private passenger automobile, a pickup truck or a van.

Other forms of trailers are also covered, so check your policy or consult your agent if you are unsure.

Who Is Covered?

All auto policies are issued to a specific person, and that person’s name is listed on the declarations page as the “named insured”. It will also include the insured’s persons spouse as long as that spouse lives in the same household. The policy also provides coverage for family members who live in the same household as the named insured.

Your policy even covers someone who might borrow your vehicle. The only condition to this coverage is that they have permission to operate the car. There is also coverage afforded to those who are occupying your vehicle. This is particularly important with respect to Personal Injury Protection (PIP) coverage.

There are many coverage components of your personal auto policy that will be triggered when you travel outside of your own state. The personal auto policy contains many provisions that will address this issue directly, but if you have any concerns, it is very important to contact your agent or insurance company directly to be certain that you are protected on your trip. If you travel regularly, you should see how various auto insurance quotes compare with respect to out of state travel when you are considering a new auto insurance policy.

Filed in: Auto Insurance

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