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What happens if I’m in a car accident in another state?

On Behalf of | May 4, 2020 | Car Accidents

Car accidents are a traumatic experience. Depending on the severity of the crash, a lot more than your mental state could be hurt. After an accident, a million thoughts are racing through your brain. After the rush of adrenaline and making sure everyone is okay, you’re left wondering if your insurance will cover the accident.

This thought is especially scary if you’re in another state. Does your policy follow you? How are you going to pay for this?

Will my policy follow me?

Auto insurance is very flexible when it comes to traveling. No matter how far away you are from your home state, you’ll most likely be covered. Most insurances cover the United States and their territories. Some even cover parts of Canada.

Is the coverage different?

Car insurance companies differ from state to state. Because of this, your coverage will change if you’re in a car accident in another state, meeting the requirements that state holds.

Every state has their own requirements of what their state’s insurance must meet. For example, if you have a car accident in a state the covers so much for property damage and the state you reside in has a lower requirement, your insurance must meet that other state’s minimum requirement. This could mean that your insurance must cover more or less than usual depending on the state.

Car accidents can happen to anyone at any time. Although it’s not ideal for an accident to occur in another state, you will be covered. The amount of coverage is the variable. Before you travel, it’s recommended to know that state’s minimum insurance coverage. Be informed and be careful while you travel.