It's time to take a trip across the state line. You may be traveling to a nearby state or clear across the country.
You know you need to keep your auto insurance up to date. Because you are on the road more, your risk of being in an accident is higher. But, what do you do if you are in an accident? Will your car insurance policy cover your losses? There are a few key things to keep in mind before you leave.
Before You Leave
Before you take that trip, do a bit of research. Most states have minimum requirements for liability insurance. Be sure you meet those requirements for your state of residence. You are also responsible for maintaining any other coverage required under law. This may include underinsured/uninsured coverage. Some states may have other requirements. Remember, you need to carry coverage for the state in which you live. You won't have to buy coverage for the state(s) where you plan to visit.
Contacting your A-Z Express Insurance agent can help here. Your agent can tell you specifically what type of coverage you need to have. This is the easiest way to update your coverage, too.
Insurers Know You May Travel
Many drivers take long trips. Insurers know this. It is a risk factor built into your policy. Most of the time, you do not have to do anything special to file a claim if an accident happens across state lines.
If you are in an accident, call your auto insurance agent. Discuss what happened. Be sure to file a police report if applicable. You should always be in communication with your agent about your needs. Many times, your insurer can help.
In some situations, your car insurance carrier can help with the cost to tow the vehicle. The insurer may tow the vehicle to a nearby to help you get back on the road. However, note that each policy is unique. Be sure to discuss adding towing coverage to your plan before you leave as well.
The good news is your agent can handle just about any type of claim, no matter where it occurs. They may even help make sure that any liability claims against you have ample attention. Keep in mind the amount and type of coverage you have determines the help you get.
Contact your agent now. Then, hit the road with peace of mind, knowing insurance coverage is there to protect you.