Out of State Auto Insurance Coverage: What You Need to Know

If you are planning to drive out of state any time soon, you should know how far your Round Rock Auto Insurance coverage will go in your guest state. The typical things covered include medical, liability, collision and comprehensive. Some of these things will not be covered when you are driving in another state; and you need to know beforehand which of them are covered, and to what extent.

What Is the Typical Coverage for Driving Out Of State?

Though you should scrutinize the specifics (the small print) of your insurance coverage, you should not worry too much. Most insurance companies have policies that comply with regulations of other states. If that is the case with your coverage, then you are protected even while driving out of state. You should be aware, however, that if you only have the minimum coverage for your state, you will also be liable for minimal coverage in case you are involved in an out-of-state accident. The advantage here is that even if your state's coverage limits are lower than the limits of the state in which the accident occurs, it is the latter state's limits that matters. The above generalities, however, will only hold true if you drive out of state infrequently. If you have regular businesses out of state, then you will not enjoy these benefits. In this case, you should buy adequate insurance coverage; coverage that will satisfy the regulations in that particular state.

What Should You Do If You Are Involved In an Out-Of-State Accident?

Even if you are a careful driver, and you only make occasional trips out of state, you can still be involved in an accident. This means you should understand how to file a claim for an out-of-state incident. If you don’t like long procedural bureaucracies, then you may be tempted to file the claim with your native insurance firm. This is usually the easiest route to take since you will be leaving the hassle of making a claim from the other company to your insurance company. Unfortunately, the easy route is not always the best route to take. In this particular case, you will be forced to settle your deductible until the settlement of the claim. It is only wise to take this route if you are too busy to deal with the process. If you have the time, and you do not wish to pay the deductible, then you can contact the other company and deal with them directly. If you wish, you can always terminate the process and make a new claim to your native company.

As a general rule, you should look for out-of-state coverage if you are going to be out of your state for more than 30 days. That is the limit set by most states, but check before you drive. In case you need more information about insurance while driving out of state, give your Contractors Insurance Services agent a call at 512-518-6292 today.