Out of State Car Insurance Coverage

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 29, 2022

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Auto insurance policies are comprised of several different coverage. Typically, policies consist of liability, collision and comprehensive , medical, and uninsured motorists coverage. Each of these types of coverage is an important part of your auto insurance policy, and you should be familiar with all of them. Further, unless you live in Hawaii or Alaska, there is a very good chance that you will need to know the extent of your out of state car insurance coverage, and how to manage an auto accident that occurs outside the state in which you are insured.

Out of State Auto Insurance

The simple answer to your concerns about being covered in another states is that most policies have provisions that make your insurance comply with the insurance laws of the states you visit. This means that if your policy barely meets the minimum liability coverage requirements of your home state, but is less than the minimum requirements of the state in which you get in an accident, then you will be covered up to the minimum requirements of the state where the accident happens despite the limits in your car insurance policy.

This practice is generally true to the extent that your time driving in a different state is limited to occasional trips, or times when you are just passing through. If you are a frequent traveler to another state, either for business or long and regular vacations, then you will need to make sure your auto insurance coverage is adequate to meet the minimum requirements in the other state.

TIP: If you are looking to add an insurance policy for another state where you frequently drive, compare several insurance quotes and find a policy that meets your needs in that state.

Filing a Claim for an Out of State Incident

You might find it less complicated to file the claim with your own insurance company and let them go after the other company. However, if you do that, you will have to pay your deductible until the claim is settled with the other company. Paying your deductible and waiting for it to be reimbursed may be worth it if you do not want to deal with another insurance company.

You can also contact the other party’s insurance company and work with them directly to resolve your claim. You can always come back to your company to file a claim if going directly to the other company does not seem to be working out.

If you need assistance filing an out of state claim with your insurance company or the other party’s, click here to contact a car accident attorney who can help.

Driving in Canada or Mexico

Most U.S. policies cover you if you drive in Canada, but you must remember to have evidence of insurance with you. Before driving in Mexico, you should check with your insurance agent about getting coverage for Mexico. Mexican traffic laws are so significantly different from those in the U.S. and Canada (some accidents may come under criminal statutes) that Mexican coverage is required. Therefore make a call to your insurance company or agent before venturing into any foreign country just to be sure.

If you need to increase your existing car insurance, or purchase new car insurance to accommodate out of state travel, click here to visit the Free Advice Quote Center and get several online auto insurance quotes to compare.

For more information about getting the right car insurance policy to fit your needs, check out the following articles:

Click Here for a FREE car insurance quote today!

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