Does Your Car Insurance Travel Out of State with You?

Find out if your auto insurance protects you in other states.Does Your Car Insurance Travel Out of State with You?

Because auto insurance differs from state to state, many drivers worry about their coverage when they travel to another state.  Before you set off on your cross-country road trip, learn about how your auto insurance works in different states.

Where am I covered?

Generally speaking, if you have auto insurance, it works regardless of what state you are driving through.  However, keep in mind that your policy is only valid if you are passing through or briefly visiting a state.  If you intend to move to a new state completely, then you will have to purchase a new policy to satisfy that state’s insurance minimums.

Where am I not covered?

While your auto insurance carries over to other states, this is not necessarily true if you are planning on leaving the country.  For instance, if you drive down to Mexico, you will need Mexican car insurance to ensure that you are covered.

What if I get into an accident in another state?

First, you should know that if you cause the accident, you are financially responsible for any injuries or damages resulting from the accident.  However, these costs will be covered by your liability insurance.  Because every state has its own auto insurance minimums, your insurer will compare your coverage limits with that of the state you are in.  They will then provide coverage for whichever is higher.

This is just a general outline of how your auto insurance works in other states.  If you still have questions regarding your auto insurance coverage, don’t hesitate to contact the experts at VGW Walker Insurance in Texas.  Our dedicated team is ready to assist you with all your insurance needs today.