Summer may be winding down and school is starting up again, but that doesn’t mean it is too late for a road trip. Long weekend holidays like Labor Day and Fall break are right around the corner. If you have thought about taking a roadtrip vacation, these are the weekends to do it - it’s a tradition almost as old as the car itself. But first, is your insurance up to par? The following is a list of things your insurance could help you with as you travel. Before you pack and are ready to go, make sure your policy is prepared too.
1. Accident coverage. A 2009 study published in USA Today showed that a surprising one in seven drivers is without insurance. Don’t get caught in a fender bender—or worse—with no insurance card. You’ll find yourself not only paying for the damage, but also likely paying hefty legal fees when the police arrive.
2. Uninsured driver insurance. If you find yourself on the other end of the spectrum and get dinged by an uninsured driver without this coverage, you’ll likely find yourself shelling out the rest of your vacation funds on repairs or extravagant medical bills.
3. Theft prevention and recovery. If your car suddenly disappears from that motel parking lot, you’ll be thanking yourself for your insurance later on. For more information on theft prevention, visit the National Highway Traffic Safety Association’s website at http://www.nhtsa.gov/theft.
4. RV and camper insurance. Yes, these have to be insured too. If you’re off on a camping trip, make sure your recreational vehicle insurance is up-to-date.
5. Roadside assistance. Many people don’t know this, but some insurance policies will include an option for roadside assistance. This can be enormously helpful when your battery dies at that rest stop that’s 40 miles out of town.
6. Inclement weather protection. Consider adding inclement weather protection to your plan. According to the National Insurance Crime Bureau, hail damage claims alone increased a whopping 84% between 2010 and 2012.
7. Personal Injury Protection (PIP). Another often-overlooked potential add-on to your insurance plan, PIP will help cover potential physical damages resulting from an automobile accident that your health insurance won’t.
8. Mechanical breakdown insurance. Some insurance plans can actually offer shop discounts and additional help if your car breaks down as a result of mechanical failure, which is something that could make or break your cross-country road trip.
9. Personal watercraft, motorcycle and ATV insurance.Not all motorized vehicles have to be insured in every state, but it’s the law in some states, and it’s a good idea in every state. Remember that just because you’re not behind a steering wheel doesn’t mean you’re not at risk.
10. The help and advice of an agent if something goes awry. This is perhaps the most important benefit of having a solid insurance plan with an agent who knows you and your needs. Having an agent at your disposal to help you if you suddenly find yourself in an automotive pickle can mean the difference between a stressful car ride and a relaxing road trip.
For more information on how you can tailor your Round Rock auto insurance to your vacation needs or simply for help finding ways to make your coverage more complete, contact Integrity Network Insurance Group at 512-989-6006. We’re here to help you make your vacations safer.