Road trips have been an iconic part of American culture for decades. While road trips are fun, they require preparation to minimize the potential for inconveniences.
No matter how prepared you are, accidents happen on road trips. And when they do, you want to be sure that you have sufficient car insurance coverage regardless of the state you’re in.
This guide focuses on the type of coverage to consider for your next road trip in the United States.
How Insurance Works for Road Trips
Your current insurance coverage allows you to drive through any state in the U.S. legally. However, the fact that you can drive with your insurance coverage doesn’t mean you should.
The best approach should be to fine-tune your coverage to provide sufficient coverage for your trip. What follows are some of the areas you may want to focus on.
Liability Coverage
Virtually all states require drivers to carry minimum coverage before driving on American roads.
The minimum coverage is usually referred to as third-party insurance or liability insurance, often catering to damages suffered by third parties in an accident where you are at fault.
If you only have your state’s minimum coverage, you may be underinsured in some states like California, which has some of the highest insurance rates.
Before setting out on a road trip, you may want to ensure that your liability coverage is at least $100,000 per injured individual and $300,000 per accident. The more coverage you can have, the better.
You can check out data on the economic costs of an accident in different states from the National Safety Council if you are unsure of minimum coverage for the states you intend to visit.
You can then use the date to determine the coverage you will need.
Comprehensive Coverage
Comprehensive coverage covers liability resulting from an accident where you are at fault and damage to your vehicle.
While not mandatory, it’s better than liability insurance as it offers protection against damage to your vehicle in the event of an accident, irrespective of fault for the accident. It also provides coverage against theft or vandalism.
The cost of comprehensive coverage can be significantly higher than liability coverage, but worth it if you want peace of mind while on the road trip.
Uninsured Motorist Coverage
If an underinsured or uninsured driver hits you, your chances of recovering compensation may be pretty slim….
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