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FAQ: Traveling With Auto Insurance Coverage
If I'm in an accident in another state, how will it affect my auto insurance coverage?
Road trips are a fantastic way to see this great country of ours. From the Rocky Mountains to the Empire State Building, the United States is full of tourist gems. If you're planning to spend some time on the road, use caution— it's a jungle out there!
Esurance policyholders are insured no matter where they travel in the U.S. That means, if you're from Michigan and you get into an accident in Oregon, you're covered. Policies do differ somewhat by state, however. Check out our Esurance Insight, Esurance Offers Auto Insurance Tips for Your State, for details on vehicle coverage and liability in your state.
If you opt to rent a car for your journey--and you carry liability, comprehensive, and collision coverage on your Esurance policy--your coverage should transfer to your rental car with the same limits and deductibles. Nevertheless, in some cases rental agreements may require additional coverages that you do not have in your own auto insurance policy. In that case, it's in your interest (and in some cases required) that you buy additional auto insurance coverage from the rental company.
Be careful out there. Road conditions and speed limits vary by state, and the last thing you need to worry about is an increase to your auto insurance rates due to an accident or a speeding ticket. Be aware of signage and severe weather warnings, as well as poorly lit roads and animal crossings. A deer or cow spotting may liven up your drive; however, these creatures can also cause severe or fatal accidents if hit.
Be sure to get lots of rest while you're traveling— pull over if you're tired. Dozing off for even a few seconds could cause an accident. See our Esurance Insight, Don't Drive Tired— Stay Safe & Save on Auto Insurance, for tips on how to stay fresh during your long drive.
And one more piece of advice before you go: don't leave home without a copy of your insurance card. In fact, we encourage you to never leave home without proof of auto insurance coverage. Happy trails!
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