Summer is a time for travel and fun! Whether you’re taking a road trip in your own car, renting a vehicle, or hitting the open road on a motorcycle or recreational vehicle, it’s important to know that you’re covered. Auto insurance policies vary, so be sure to check with your insurance company to see if your policy covers you when driving other vehicles. In this blog post, we’ll take a look at some of the most common questions related to auto insurance for summer travel.
Do I have coverage on a rented vehicle?
If you’re renting a car for your summer vacation, you’ll want to check with your auto insurance carrier to make sure you have coverage. Most policies will extend coverage to rented vehicles, but there may be some restrictions. For example, your policy may not cover certain types of rentals, such as luxury vehicles, off-road vehicles, or exotic cars. Some companies require full coverage on all vehicles before they will extend full coverage to rented vehicles, while others only require full coverage on one vehicle. You may also be responsible for a deductible if you have an accident while driving a rented vehicle. If you use your auto insurance to cover a claim in a rental vehicle, it will also show up on your insurance history and you are expected to be more involved in the claims process. While many insurance policies that the rental company offers will take care of everything for you and will not negatively impact your insurance.
What about my motorcycle or RV?
If you’re planning to hit the open road on a motorcycle or recreational vehicle this summer, your auto insurance policy may provide some coverage. However, it’s important to check with your insurance company to be sure, as coverage for these types of vehicles is often limited. You may also want to consider purchasing additional insurance for your motorcycle or RV.
What if I’m driving my own car?
If you’re planning a road trip in your own car this summer, your auto insurance policy will provide coverage as long as you’re driving in the United States or Canada. However, it’s important to check with your insurance company to be sure, as some policies may have restrictions on foreign travel. You may also want to consider purchasing additional insurance for your trip if you’re planning to drive in a foreign country. You may also want to check your loss of use coverage in the event your vehicle breaks down while you are driving across the country.
No matter where your summer travels take you, it’s important to make sure you’re covered! Auto insurance can help protect you in the event of an accident, so be sure to check your policy before hitting the road.
Happy summer travels! Safe driving! Auto insurance can help protect you in the event of an accident, so be sure to check your policy before hitting the road.