Summer is a time when many families take to the road for vacation. Longer time spent in the car means inevitably unforeseen wear and tear on your vehicle. Increased road time leads to a higher likelihood of an automobile accident. Whether you are traveling near or far, taking the time to make sure you understand your auto insurance coverage in the event of a mishap or need to make a claim while on the road is a wise step in keeping your family protected during summer travel.

Understanding Your Auto Insurance Coverage

Common Auto Insurance Coverage:

  • Collision Insurance 
    Covers damage to your vehicle caused by a collision with another vehicle or with any other object, regardless of fault. Collision insurance does not cover bodily injury (BI) or property damage (PD) liability.Property Damage (PD) Insurance  When you are at fault. Covers damage to another person’s property (vehicle or other object) caused by a collision with your and personal auto insurance
  • Bodily Injury (BI) Insurance
    Pays for the injuries of others when you are at fault.
  • Medical Payments Insurance
    Provides for the payment of medical and similar expenses without regard for legal liability.
  • Comprehensive Insurance
    Covers damage or cost of repairs to your car caused by reason other than collision, such as fire, theft, windstorm, flood, or vandalism.
  • Uninsured and Under-insured
    Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages.
  • Endorsements/Riders
    Covers special equipment such as wheels, tires, premium electronic not installed at the factory and reimbursement for towing and rental.

What Do You Need If An Accident Occurs?

Before taking to the road for summer travel, be sure that you have all of the necessary insurance documents that will be required if you were to need to make a claim while away from home. You will want to bring with you your insurance card, a copy of your policy terms, the contact information for your automobile insurance policy claims department, your insurance provider’s roadside assistance number, and the contact information for your insurance agent. The “Declaration Page(s) usually provide much of this information. Take a picture with your camera phone or make a copy to have in your glove compartment.

Do You Need To Pay For Accident Repairs?

Determine in advance of a trip whether your automobile insurance policy would require cash out of pocket towards your deductible if an accident or repair were needed while traveling and make sure you have access to the funds if required.

Do You Switch Drivers?

Additionally, families often rotate drivers while on long road trips so be sure to review your insurance policy terms to make certain that all drivers which may be getting behind the wheel during your travels will receive policy protections if an accident were to happen.

How To Minimize Stress In An Auto Accident?

While each of the above may seem like simple steps, taking the time to make sure you are thoroughly prepared while traveling can save untold amounts of stress for you and your family in the event an automobile insurance claim may need to be made during your journey.

Review Before You Leave.

Reviewing your current auto insurance policy  prior leaving should be a part of your trip planning.