Does Car Insurance Covers Out of State Accident?
Reader’s Question:
I am driving across the country with my roommate. We are excited. We will be using his car. Does my auto insurance cover me if I am driving and we have an accident?
Rance
Des Moines, WA
Hello Rance,
Sounds like fun. Enjoy the trip and drive safely! Your auto insurance in Des Moines WA would only come into play as a secondary form of coverage. To a degree your auto policy travels with you, but your roommate’s auto insurance will be the primary source of insurance in the event of an accident.
Generally, the auto insurance on the driven vehicle will protect you. You may want to check the auto policy just to be sure you are fully protected and that the deductibles offer enough protection. If the limits on the auto policy of the vehicle fail to cover the damages you cause, your policy may very well pick up the difference. You should review your coverage and feel free to call your auto insurance agent in Des Moines Washington. Express your concerns.
Sometimes drivers on cross country excursions push themselves and drive many miles a day. Make sure you have safe, good tires. Always carry your auto insurance card with you and have phone numbers for your agent and the auto insurance company. Most importantly, enjoy the sights and the experience by driving safely. Have fun!