Do You Need Additional Auto Insurance for Road Trips?

Planning a road trip can be an exciting adventure, but confirming that you’re adequately covered by auto insurance before hitting the open road is important. While your standard auto insurance policy provides essential coverage, there are several factors to consider that might necessitate additional insurance.

Coverage Limits and Types

First, review your current policy’s coverage limits. Standard policies typically include liability, collision and comprehensive coverage. Liability insurance can help cover the cost of damages to others if you’re at fault in an accident, while collision and comprehensive can financially cover your vehicle in various situations. However, these limits might not be sufficient for long-distance travel or driving in unfamiliar areas.

Roadside Assistance

Roadside assistance can be a valuable addition for road trips. This coverage can help with towing, flat tires, lockouts and other emergencies. If your policy doesn’t include roadside assistance, consider adding it or purchasing a separate plan.

Rental Car Coverage

If you plan to rent a car for your road trip, check if your auto insurance extends to rental vehicles. Some policies do, but others might require additional coverage. Rental car insurance can help cover expenses in case of an accident or damage to the rental vehicle.

Uninsured/Underinsured Motorist Coverage

Traveling through different states means encountering varying levels of insurance coverage among other drivers. Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who lacks sufficient insurance. This coverage can be crucial for making sure you’re not left with hefty bills due to someone else’s negligence.

Personal Belongings

Consider coverage for personal belongings, especially if you’re carrying valuable items. Standard auto insurance might not cover theft or damage to personal items inside your vehicle. Adding personal belongings coverage can safeguard your possessions during your trip.

Learn More

For auto insurance near you, contact Carey Insurance LLC

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.