Auto Insurance Considerations For Your Summer Road Trip

Insurance Blog

If you are taking a vacation this summer and plan to avoid the airport by taking your own vehicle, then you want to make sure that you are properly prepared. Accidents can happen, and they tend to occur when you least expect them. Yes, you hope an accident doesn't take place while you are on a vacation, but the road is very unpredictable—and so are other people. Therefore, before you hit the open road, you will want to double-check your vehicle as well as your auto insurance policy. Here are a few things to check in regard to your auto insurance policy.

Are Additional Drivers Covered When You Need a Break from Driving?

As a general rule, auto insurance will follow the vehicle and not the driver. In other words, there is a good chance that your auto insurance policy will cover anyone who drives (as long as they are legal and have a driver's license) your vehicle while you take a break from behind the wheel. However, if there is someone in your household who drives your vehicle frequently, he or she will need to be listed on your auto insurance policy in order to be covered. Otherwise, you run the risk of this person not being covered while behind the wheel.

Do You Have Roadside Service, and Is the Coverage Sufficient?

Anything can happen on a road trip, including breakdowns. Therefore, you will want to ensure that you are prepared for the unthinkable. Most auto insurance policies will take care of a tow service if there is an accident. However, there are usually restrictions on the number of miles that the tow can take you. If you are in the middle of nowhere, this could be a problem. In the event that you need roadside service due to a flat tire, dead battery, or other auto issues, you need to ensure that roadside service will come to you and that there are not certain areas that are off-limits. So, make sure that your policy has roadside service and that it is going to take care of you while you're on your trip.

What Type of Rental Car Coverage Do You Have?

When you purchased your auto insurance policy, you had the choice to opt-in or opt-out of rental car coverage. So, what did you do? If you opted in, then you will be able to get a rental car in the event of an accident without having to worry about out-of-pocket expenses until a decision is made by the insurance companies. However, there are limits, and you'll want to be aware of them. Insurance policies will only pay so much per accident or per day. Since you are on vacation, you will need to find out any additional fees the rental company could tack on, such as for mileage and vehicle upgrades, as this could put a pin in your souvenirs and sightseeing.

For more information, contact a company like LA Insurance.


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