Summer road trips sound carefree, until something goes wrong.
Before you hit the road, it’s worth asking:
Do you actually know what your auto insurance covers? Because many drivers assume they’re fully protected… until they’re not.
Check out our guide below for proactive steps to take to protect your home.
Questions? Reach out to one of our knowledgeable insurance agents. We’re eager to set you up with the right coverage and rate!
1. Does Your Insurance Cover You Out of State?
Good news:
Most auto insurance policies follow you across state lines.
But:
- Coverage limits still apply
- State laws can impact claims
2. Rental Car Confusion
This is where people get tripped up.
Your personal auto policy may cover rental cars, but only if you have:
- Collision coverage
- Comprehensive coverage
Otherwise, you might need to buy coverage from the rental company.
3. Roadside Assistance: Do You Actually Have It?
Flat tire? Dead battery?
Not all policies include roadside assistance.
If you don’t have it, you could end up paying:
- Towing fees
- Emergency services
4. What Happens If Your Car Is Stolen or Damaged?
This depends on your coverage:
- Comprehensive → theft, weather damage
- Collision → accidents
No comprehensive coverage = no protection for theft or natural disasters.
5. Personal Belongings in Your Car
A big misconception:
Auto insurance typically does NOT cover personal items stolen from your car.
That falls under your homeowners or renters’ insurance.
6. Are You Covered If Someone Else Drives Your Car?
Usually yes, but with conditions:
- They must have permission
- Coverage is still tied to your policy limits
7. Liability Limits Matter More Than You Think
If you cause an accident, your liability coverage pays damages.
But minimum coverage may not be enough, especially if:
- Multiple cars are involved
- There are injuries
A road trip should be about the experience, not unexpected financial stress.
Call Cornerstone Insurance Agency LLC team; taking a few minutes to understand your coverage now can save you thousands later.
This article is for informational purposes only. You should not act based on this information without first consulting with your insurance agent; if you would like a quote from a Cornerstone Insurance Agency licensed agent, contact us. We disclaim all liability for actions taken or not taken by you based on the contents of this article which is provided “as is.” Cornerstone makes no representation that this content is error-free.