What Is Road Trip Insurance? (and Do You Need It?)

What Is Road Trip Insurance? (and Do You Need It?)

People plan road trips to enjoy with family, friends, and kids. Most people do not give attention to their auto insurance company before going on a road trip. You should review the coverage limit of your auto insurance policy. Make sure that your auto insurance coverage is enough to cover you, your passengers, and your vehicle before going on a road trip.

Road trip insurance is a short term insurance policy that gives protection to you, your passengers, and your vehicle for road trips. Road insurance protects you against property damages and bodily injuries during the road trip.

Road trip insurance is necessary for a stress-free road trip. You should make sure that you and your passengers are fully protected before going on a road trip.

Does road trip insurance cover car theft?

Road trip car insurance helps to recover the losses incurred from car theft if you have comprehensive coverage of your road trip insurance. If you are carrying valuable items such as cameras, computers, tablets, mobile phones, etc. in your car during a road trip then you can get personal effects coverage.

Personal effects coverage helps to cover the cost of damages caused by the theft of valuable items from your car. If you have personal effects coverage in your homeowner’s insurance or renters insurance policy then you do not need to purchase extra personal effects coverage in your road trip insurance. You must ask your insurance agent if personal effects cover all electronic items or not.

Will road trip insurance cover an emergency trip cancellation?

You need to purchase trip cancellation insurance for a road trip to cover the prepaid trip cost in case of an emergency cancellation of the trip.

If you have already booked hotel rooms and flights but unexpectedly you cancel your road trip then it will put heavy expenses on your pocket. You can file a road trip insurance claim to recover the prepaid expenses for a road trip.

Will road trip insurance cover damages to a rental car?

Road trip insurance covers the damages to a rental car only if you have collision coverage in your road trip insurance. Collision coverage helps to cover the cost of damages caused by vandalism or collision during a road trip. So it is good to include collision coverage in your road trip insurance.

If you do not have a car insurance policy then you can purchase a non-owner car insurance policy to cover the damages to a rental car. The non-owner car insurance policy offers only a liability coverage which helps to cover the cost of property damages and bodily injuries to others.

Medical emergencies during a road trip

If you have a health insurance policy then you should check the details of your health insurance policy that it covers you during the road trip.

If your health insurance policy does not provide your medical coverage during the road trip then it is a good option to purchase medical emergency coverage in your road trip insurance policy. Medical emergency coverage helps to cover the medical expenses of you and your passengers.

Do you need special road trip insurance?

If you have an auto insurance policy then it protects you, your passengers, and your vehicle during a road trip also. Make sure you must have minimum liability coverage to go on a road trip that is legally required in all the states of the USA.

If you are planning for interstate road trips then it impacts your coverage limits because requirements for insurance coverage limits vary according to the state. But if you are going on a road trip across the country then you should ask your insurer that your auto insurance policy covers you in other countries.

In some countries your current auto insurance policy does not provide coverage to you then you need to purchase special road trip insurance to travel in these countries.

Types of road trip insurance coverage

You need to purchase the following coverage types for a road trip:

  • Roadside assistance

You need to include roadside assistance in your road trip insurance. Roadside assistance provides you protection in emergencies that can leave you stranded on the roadside such as jump starts, fuel delivery, towing to the mechanics, flat tire changes, etc. 

  • Comprehensive coverage

You need to include comprehensive coverage in your road trip insurance if you want to cover the cost of damages caused by vandalism, theft, bad weather, etc. during a road trip.

  • Uninsured motorist damage coverage

You can recover the losses incurred by accident with the uninsured or underinsured driver if you have Uninsured motorist damage coverage in your road trip insurance.

You can compare car insurance quotes for free on MyMoneyMyQuotes.com.

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