If you’re planning a spring or summer road trip, take time to review your auto insurance to ensure you have adequate protection for your travels. You don’t want to be caught short on a coverage when you’re far from home. At Palm Valley Insurance Inc. in Ponte Vedra Beach, FL, we can help you update your policy to meet your travel needs. Here’s what you should know about your insurance coverage before hitting the road.
Location May Affect Coverage
States vary on minimum auto insurance requirements, particularly liability coverage. If you plan to travel cross-country, ask your Palm Valley Insurance agent if your policy comes with a broadening clause that extends liability coverage to meet the requirements of the states you’ll be traveling through in order to protect you against accidents.
Coverage for Additional Drivers
If you’re traveling with friends and plan on having them help with the driving, make sure they’re covered under your policy.
Coverage for Trailer
Depending on the length of your road trip and the number of participants, you may want to attach a trailer to your vehicle for hauling luggage, camping gear, sports gear, etc. Before hitting the road, make sure this trailer is covered in your auto insurance policy.
To fully protect your trailer and its contents, you’ll need liability, collision and comprehensive coverage. While you’re at it, make sure your vehicle has adequate collision and comprehensive coverage to protect you against crashes, theft, vandalism, and damage from adverse weather. You never know what you’ll come up against on the road.
If your policy doesn’t include roadside assistance, consider adding it on for your travels. This protection is a lifesaver if you have unexpected car troubles far from home.
To learn more about auto insurance protection for road trips, contact Palm Valley Insurance Inc. in Ponte Vedra Beach, FL.