Road Trip Ready? Don’t Forget Your Auto Insurance

Road trips can involve long hours on the road and unfamiliar territory. Having appropriate auto insurance can help ensure you’re financially protected against accidents, theft and other unforeseen incidents that might occur far from home.

Before embarking on your road trip, you should review your car insurance by taking these steps: 

• Verify coverage limits. Check your current auto insurance policy to ensure it provides adequate coverage for long-distance travel. Make sure your liability, collision and comprehensive coverage limits are adequate for potential risks on the road. 

• Understand state requirements. Different states have varying insurance requirements. If your trip involves crossing state lines, confirm that your coverage meets the minimum requirements of each state you’ll be traveling through. 

• Check for exclusions. Review your policy for any exclusions and limitations that might affect coverage during your trip.  

• Consider roadside assistance. Roadside assistance can be a lifesaver if you experience an event such as a car breakdown or flat tire. Ensure your policy includes this service, or consider purchasing it separately for added security on your journey. 

If you find that your current coverage isn’t sufficient for a long road trip, consider increasing your limits or adding additional coverage options. This might include higher liability limits or additional coverage for rental cars. 

Carry Proof of Insurance 

Always have a copy of your insurance policy and proof of coverage on your road trip. This information is essential in case of an accident and when dealing with law enforcement. 

Contact Us 

Contact Tennessee State Insurance Inc. in Knoxville, Tennessee, for a personalized auto insurance quote.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.