Going on a road trip requires some planning. Mapping out your route, finding places to stay, making sure you have ample supplies and plenty of gas in the tank are all-important preparations to make before setting out. But does your auto insurance have what it takes to keep you covered on your journey? Even if you’re just taking a day trip across Ohio, here are some things you should consider.
What Should My Auto Insurance Policy Cover?
Your policy should at least have the minimum amount of liability coverage required by state law. Most well-rounded auto policies should keep you covered, but there are still some things to take into consideration.
Comprehensive coverage: This protects you against vandalism, theft, and acts of God. These are all things that are important when you’re visiting new places and touring through new elements like rugged state parks or windy mountain roads.
Roadside assistance: As a AAA member, you’re already covered, but adding this to your insurance policy can provide an extra layer of protection should you need help.
Uninsured motorists: This will pay for damages if you’re involved in an accident with someone who is uninsured. While most people have insurance, you can’t bank on everyone having it. It’s better to be safe than sorry!
State lines: All car insurance will work across state lines but traveling to Mexico or Canada may impact the effectiveness of your coverage. Give your agent a call if you’re traveling across the border to see if it will impact your coverage.
Other drivers: If you’re going to be letting a friend or someone else drive your car, make sure your insurance will cover any damages if an accident were to occur. Always make sure that anyone else driving your car has insurance as well.
Do I Need Rental Car Insurance?
There are also some things to consider if you’re going to be renting a car for your trip. Your insurance may overlap with rental car insurance depending on the coverage you have, but you should make sure. Take a look at your coverage to see where you’re covered or where there are gaps that need to be filled in.
There are certain coverages that rental car companies typically offer if you feel you need some extra protection.
Liability Coverage: If you have minimal coverage on your own auto insurance policy, you can purchase this from the rental car company to help boost your insurance to cover more damages.
Collision Damage Waiver: Also known as a loss damage waiver, this means the rental car company will not come after you for compensation if there is any damage or theft of the rental vehicle.
Personal Accident Insurance: This will cover the medical costs of you or anyone else in the car that is injured during an accident. If your insurance does not include Medical Payments coverage, or if your coverage amount is low, you may want to consider purchasing this.
Personal Effects Coverage: This will pay for belongings stolen from your car, up to a set dollar amount. If you have a homeowners or renters insurance policy, it will cover your stolen possessions even if the theft occurs away from home. If you don’t have this coverage, personal effects coverage may be an important thing to add.
Do I Need Travel Insurance?
Ultimately, it’s up to you whether or not to buy travel insurance, but the short answer is that it’s never a bad idea. Travel insurance can help cover the cost of your trip if it’s interrupted or canceled for some unforeseen reason like an accident or inclement weather. It can also cover otherwise non-refundable fees that you may have paid for your trip. For a small percent of the cost of your trip, travel insurance can help protect you from losses, so it’s always an important thing to consider when planning your journey.
These are just a few important tips to consider when it comes to auto insurance for your road trip. If you are unsure of your coverage or have questions, it’s always best to speak with an agent before setting out. This will make sure you and your insurance are ready for the trip ahead!