Holiday road trips are fun—right up until a breakdown, accident, or rental car headache derails the whole plan. Most people assume their auto policy automatically covers everything while traveling, but that’s not always the case. Your liability coverage will follow you out of state, but things get trickier with physical damage, rental cars, and roadside assistance. Some policies include roadside help; others don’t. And if you’re driving a rental, your own policy may extend to it—unless the rental is a truck, a luxury vehicle, or something your carrier excludes. The last thing you want is to find out the hard way that your policy doesn’t match your travel plans.
Before you pack the car, double-check what protections you have. Know whether your collision and comprehensive transfer to a rental, whether you have towing or trip interruption, and whether an accident out of state changes how your claim is handled. A quick review now can save you money, frustration, and a ruined holiday trip. If you’re unsure what your current policy includes, your agent can look at it in two minutes and tell you exactly what’s covered—no surprises once you hit the road.
Stay Tuned For Other Great Reads In This Month’s Newsletter
- Why Liability Coverage Is the Most Overlooked but Most Important Protection
- Does Auto Insurance Cover Personal Property in Your Car While Traveling?
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