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When planning on taking a vacation you have to plan for so many things. What am I going to pack? Who is going to take care of the pets? Making sure all your vacation plans are laid out nicely can be hard, but what about your auto insurance?
While a majority of people understand the importance of auto insurance when driving in their home state, a lot of my clients really had never stopped to question what happens when driving across state lines. Am I covered? What happens if I cause an accident? What if someone driving from another state hits me? There are countless situations to look at when it comes to how auto insurance works when driving across state lines, but first let's cover the basics.
How does my auto insurance protect me across state lines?
When it comes to the question of how your auto insurance protects you when driving across state lines there are a couple main questions I got from clients so let's take some time to answer them.
How does my auto insurance protect me out of the country?
Now that we've talked about how your auto insurance works when crossing state lines, let's take it one step further and take a look at travelling out of the country! As exciting as seeing Big Ben would be, you may wonder what happens if I have an accident while driving around the streets of London: after all, driving in the left lane can be a bit of an adjustment!
Here is the thing about auto insurance outside of the United States. Typically, your current US auto policy will not cover you abroad, but have no fear, there is a solution! Upon arriving at your destination, if you choose to rent a car, the rental car carrier should offer you car insurance for that country for the duration of the trip. That way you don't have to risk potentially having an accident with no coverage! One alternative option that you may be able to take advantage of is an endorsement on your auto policy that will provide limited coverage for driving in Mexico and Canada. This will vary by insurance carrier so it's always best to consult your agent to see what options are available.
Let's wrap it up
In short, I will always recommend that clients always first consult their agent prior to embarking on any journey. When it comes right down to it, if we are taking the appropriate precautions, your insurance will be there to cover you no matter where you are driving in the United States. So go travel, drive wherever your heart desires with the peace of mind that you are protected!
Article written by: Agent: Ted King
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