Does My Auto Insurance Follow Me Out of State?

Find out if you have car insurance coverage when you are out of state.

If you are planning to drive out of state, then you might be worried about your auto insurance coverage.  As every state has their own auto insurance standards, it’s natural to be concerned about the travelling power of your auto insurance from Carrollton, Texas.  Read on to learn about how your auto insurance travels across state lines.

Where am I covered?

Generally, if you drive out of state, then your auto insurance follows you.  In fact, most American insurance companies cover you no matter where you are in the country.  However, be aware that this coverage does not usually extend outside of the country.  While some insurers might cover you in Canada, driving in Mexico or in another country will require auto insurance from that country.

Am I ever not covered?

Your auto insurance will protect you as you travel over state lines, however this protection is only valid for temporary visits to other states.  If you are planning to move to another state, then you will need to purchase a new policy that meets the insurance minimums of the new state that you are residing in.

What happens if I get into an accident while I’m out of state?

When you travel outside of your own state, then your chances of an accident actually increase.  This is largely due to your inexperience on unfamiliar roads.  Luckily, your auto insurance has your back.  While every state has their own auto insurance minimums, your auto insurance will generally amend to the state in which the accident occurred.  This means that your insurer will compare your policy limits with the state’s minimums and provide coverage that meets the higher limit.

If you are planning a cross-country road trip, then you can rest easy knowing that your auto policy has you covered.  Do you have more questions regarding your auto insurance coverage?  Then don’t hesitate to contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.  Don’t worry, we’ve got you covered.