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Overhead view of a person with a wide-brim hat in front of a spread out map. They are pointing to a location, and have two cameras, a passport, sunglasses, a macbook and a cup of coffee spread out on top of it.
While you’re planning your vacation, don’t forget to re-familiarize yourself with your auto coverage.

 

A road trip is intended to be fun, not to be spent at a repair shop. However, accidents happen when you least expect them and it’s a good idea to have a plan if they do. Here are a few considerations to help you figure out this tough situation.

Know your insurance coverage

Insurance coverage depends on where your trip takes you. Before you leave on your trip, check your insurance policy to see where you are covered and review the details of your coverage plan.

You are likely covered if your trip is in the U.S. or Canada. If your trip is to Mexico, Central America, South America, or any other location, contact your insurance agent regarding coverage.

As you travel, remember that laws are different from state to state and different in other countries. Check the driving and insurance laws for the location you are going (and all points in between). The minimum requirements for insurance coverage vary in different areas.

No matter where you are located, reporting the accident to your insurance company is the same.

If you get in an accident

Firstly, you’ll need to assess the damage. If your vehicle is still driveable, you must decide if you want it repaired at home or where you are at that moment. Your insurance agent can help you work out the details.

Consider whether you have a long drive back, and if driving such a distance in your vehicle’s state would be dangerous. Even if your vehicle appears to only have exterior body damage, it would be wise to get an auto body tech to take a look at it. Most body shops will give free estimates on damage.

Scheduling a tow

If you need a tow, most insurance policies will cover the cost within a certain radius from the accident. The insurance company can also schedule the tow no matter where you are located and can reserve a rental car for you, if needed. If you choose to have your vehicle towed home and you are far away, discuss the coverage with your insurance agent. It’s likely you will have to cover the cost for a long-distance tow.

If you need repair on your Texas road trip, Fogle Collision Centers has shops across Central Texas to meet your auto body needs.

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