Holiday Travel and Your Auto Insurance Policy

Understanding Insurance Coverage When Traveling Across States

Traveling during the holiday season often involves long road trips and crossing state lines. But what happens if you get into an accident in another state? Attorney Jobeth Bowers explains that your insurance policy follows both you and your vehicle, no matter where you are in the U.S. If you’re driving your car in another state, your insurance limits typically apply, even if the state requires higher minimum coverage. This ensures you’re protected even when away from home. However, if you’re driving someone else’s vehicle, their insurance policy will generally be primary, with your policy potentially serving as secondary coverage if needed.

Why State Insurance Laws Matter in Cross-State Accidents

One of the complexities of out-of-state accidents lies in varying state insurance requirements. For instance, if you’re a Maryland driver involved in an accident in New Jersey, your policy might need to adjust to meet New Jersey’s higher minimums for personal injury protection (PIP). Conversely, lower minimums in states like Pennsylvania could create gaps in coverage for out-of-state drivers involved in Maryland accidents. These differences highlight the importance of understanding how your policy adapts to the rules of the state you’re traveling in.

How to Prepare for Cross-State Travel

To avoid surprises, Attorney Bowers recommends reviewing your insurance policy before embarking on a road trip. Contact your insurance agent to discuss potential gaps in coverage and ensure your policy aligns with the requirements of the states you’ll be visiting. Proactive planning can save you from dealing with post-accident coverage issues. If you’re involved in an accident while traveling, especially in a multi-state situation, Bowers Law offers expert guidance to help navigate the complexities and ensure you get the best outcome possible.

Contact Bowers Law for Expert Guidance

If you’re involved in an out-of-state accident or need help understanding your insurance coverage, the team at Bowers Law is here to assist. With extensive experience navigating multi-state accident claims, we ensure you get the best possible outcome. Call us today at (410) 885-6200 or contact us online to schedule a consultation. Don’t leave your coverage to chance—reach out now for expert advice and peace of mind.