Out of State Accident
Going out of town is such an adventure. You get to explore and see a whole different landscape than you’re used to. In the movies, the adventurer typically comes across a conflict in the environment. The same could happen to you. You should be knowledgeable and prepared.
The conflict you could easily face while on your out-of-town adventure could be a car accident. Unlike skilled actors in the movies, you could start to panic at the unfamiliarity of your surroundings. So, what should you do in an out of state car accident?
Take deep breaths; try to calm yourself down. The steps following the accident are similar to an accident near your home.
- Call the police.
- If you are injured, ask for an ambulance.
- Take pictures and gather insurance information.
- If any witnesses have pulled over, the police should be talking to them and gathering their information.
- As soon as possible, call your insurance company to report a claim.
If I’m out of state, will my insurance still cover my accident?
Yes. Typically, your insurance will follow your car to all the states.
What if I have the state’s minimum limits on my policy?
Every state’s minimum limits differ. If the state you get into an accident in has higher limits than your home state, the insurance company will adjust your limits to be that of the other state’s limits. If your limits are higher than the state where your accident took place, they will not lower the limits. They will not take coverage away; instead, they will maintain your purchased limits.
How will I get the damages repaired?
You will have to be patient when dealing with an out of state accident. Typically, your insurance company will tow your car to the nearest repair shop. It will take a few days for the insurance company to work through your claim. If necessary, an adjuster will come to declare your car totaled or not. Depending on your coverages, it is possible that your insurance company will reimburse you for your stay at a nearby hotel.
If you go out of state often, it’s vital that you have rental car coverage on your policy. That way, if damages take longer than a few days to repair, you’ll be able to return home.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
First Jobs of Famous People
The Mundane Starts to Some Exceptional Careers
Sharpening the Marketing Axe For Your Business
How Using The Right Tools Can Take Your Business Marketing to The Next Level
Setting a Life Insurance Goal
You May Have Goals For Savings and Investments. What About Life Insurance?
Automotive British Speak
What The Brits Call Their Cars, Parts, and Features
The Benefits of Buying a New Constructed Home
See Why Many Younger Homebuyers are Choosing New Construction
When Did Super Bowl Halftime Shows Become Such a Big Deal?
For Years Traditional Marching Bands Served as Entertainment For NFL’s Biggest Game
Why You May Be Required to Have Business Insurance
While The Law May Not Require it, Other Factors May Dictate The Need For Business Insurance
Should You Have Life Insurance? HINT: Ask Your Spouse
Odds Are Your Spouse Would Want You to Have More Life Insurance Coverage
Changes in the Auto Industry You May Have Missed
The Brands, Models, and Features That Have Come and Gone
Six Things You Will Not Regret Splurging On
You Deserve to Have These Items Without Buyer’s Regret