Summer Road Trips: Understanding Your Auto Insurance Coverage

Summer Road Trips: Understanding Your Auto Insurance Coverage

May 15, 2024

Summer is here, and for many residents of Scottsdale, Arizona, that means it's time for road trips. Whether you're planning a cross-country adventure or a quick weekend getaway, it's crucial to understand your auto insurance coverage before hitting the road. Truview Insurance is here to help you navigate the ins and outs of your policy.

Understanding Your Auto Insurance Coverage

Your auto insurance policy is a collection of different coverages. These coverages protect you in different ways and under different circumstances. The main types include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Before your trip, take a moment to review what each part of your policy covers.

Road Trips and Auto Insurance

When you're on a road trip, several factors could potentially impact your auto insurance:

  1. Out-of-State Coverage: Most auto insurance policies will cover you anywhere in the U.S. and Canada. However, it's always good to confirm this with your insurance provider.

  2. Rental Cars: If you're renting a car for your trip, your existing auto insurance policy might extend to the rental vehicle. Check your policy or consult with us at Truview Insurance to clarify.

  3. Roadside Assistance: This can be a lifesaver during road trips. If your policy doesn't already include it, you might want to consider adding it before your journey.

  4. Temporary Coverage Increases: If you're traveling with valuable personal belongings, you might want to increase your coverage temporarily.

Making a Claim While on a Road Trip

Should you be involved in an accident during your road trip, the process of making a claim is largely the same. Document the incident, gather witness information, and contact your insurance provider as soon as possible. Truview Insurance is here to assist you through the claims process, even when you're far from home.

Embarking on a summer road trip should be an exciting adventure. With a clear understanding of your auto insurance coverage, you can hit the road with peace of mind, knowing you're protected no matter where your journey takes you.