Planning a Much-Delayed Family Vacation? Are You Covered?

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Planning a Much-Delayed Family Vacation? Are You
Covered?
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• With the year 2020 ending, the holiday seasons
  are upon us. The almost endless pandemic lockdown
  around the nation has resulted in a lot of
  pent-up travel demand. A family vacation is one
  of those times where you will forget to check for
  constant updates on your phone. It is a time when
  you can leave happy memories that you can look
  back on in the future. One of the most favorite
  holiday modes for people in the United States is
  going on a road trip. Road trips are a rage. The
  United States of America is a nation with roads.
  Every year thousands take to their cars to
  explore the United States, but lost in the
  excitement might be the problem of your auto
  insurance. There's a risk you might go into an
  accident if you go on the lane.

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• How do you know if your car insurance covers you?
  Before you enter the road, you should review.
  It's not easy to find cheap car insurance. Car
  insurance providers do not offer specialized road
  travel insurance. You can check your policies,
  add coverage where appropriate, and look at all
  your options.
• Is your car insurance ready for a long drive?
  Finding cheap car insurance for extended road
  trips is more important than ever before. It
  would be best if you were prepared and willing
  for your auto insurance. Here are some things you
  ought to know before you start your journey

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• Planning to travel in your own car 
• When driving in your car, there are two things
  you should know about car insurance whose
  covered and what if I get into an accident in
  another state. First, your policy allows others
  to drive your car (unless they are unlicensed,
  drunk, or specified as excluded from your
  policy). If you have exhausted your policys
  limits, you will soon use your friend's policy.
  Any damage to the car by your friend could result
  in a driver being insured for your house.
  Concerning medical injury, the passengers and
  other carriers may take advantage of your
  responsibility for damage or insurance against
  personal injury. Still, they may feel safer at
  first passing your healthcare provider.

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• The other thing to note is that multiple states
  have varying minimums of auto insurance. Thus,
  you're under-insured to cover New York driver's
  damages if you start your tour in Florida, which
  needs only 10,000 of asset damage and a 10,000
  PIP sum and get involved in an accident in New
  York there are 50,000 or so greater minimum
  amounts. Fortunately, auto insurance firms
  understand that the legal limit in one state and
  crashing in another with higher limits shouldn't
  be penalized. Therefore the employer bumps your
  boundaries into the condition you crashed unless
  you are poisoned or conduct some disqualifying
  policy. This is also true when you hit north of
  the Canadian border. However, in Mexico, it does
  not apply, to which we speak more.

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• Planning to travel to Mexico
• Sea of Cortez, off the coast of Baja California,
  is called the aquarium of the world. It has 900
  fish species and 32 types of marine mammals that
  gather to feed and breed here. Massive blooms of
  plankton mean that even elusive blue whales are
  seen here, along with the gnarled humpbacks and
  grey whales that sound and breach in the bay, to
  the delight of whale-watching parties.

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• So if you are planning to travel to Mexico by
  car, remember that your U.S. auto insurance will
  be no longer be valid. You will have to opt for 
  Mexican auto insurance. Driving without auto
  insurance in Mexico is hugely illegal and can get
  you thrown into prison for it. Luckily for the
  adventurous Americans, buying Mexican cheap car
  insurance is pretty straightforward. Both GEICO
  and Progressive allow people to purchase policies
  on their websites from one of their partners.
  Plans come with standard procedures, six months,
  and a year long. We found that 6-months is
  typically the best offer, costing between 300
  and 400, so remember to pay that price when you
  measure the cost of your Mexican road trip.

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• Planning to rent a car for travel
• If you rent a car, you need some form of car
  rental insurance. Rental companies provide the
  following Loss Damage Waiver (LDW),
  Supplementary Liability Compensation (SLC),
  Personal Injury Insurance (PAI), and Personal
  Effects Coverage (PEC). Of those four, you may
  need the first two of them. You pay between 9 to
  20 a day for the LDW, which means the rental
  company will compensate for any harm that happens
  to the vehicle. However, if you have collision
  insurance on your policy, you can opt-out of
  coverage. If you already have a credit card, you
  can charge the entire rental card, and your card
  company will cover the LDW at no charge to you.
  Paying for the LDW or using a credit card can be
  a smart way to go. If you get into an accident,
  you won't have to file a claim with the insurance
  provider, thereby risking a rise in your premiums.

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• If you do not have auto insurance, the SLC is
  mandatory. Liability insurance is the minimum
  amount of insurance provided by statute. On the
  other side, if you have auto insurance, you don't
  have to pay for the SLC. If you have low limits
  like the state minimum, going with the SLC may be
  a wise step. SLC is going to protect you up to a
  million dollars. You don't even need PAI if you
  have PIP or health insurance, and PEC is not
  worth the price in most situations.

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• There is no special road travel insurance, but
  there are options to ensure you have the best
  possible automobile insurance coverage for
  extended driving. Take a look at your current
  insurance policy to find out how much liability
  insurance you have. If you've just purchased the
  minimum your state wants, you're probably
  underinsured. That's because if you're causing an
  accident, you'd quickly run out of liability
  insuranceand you're already on the hook to pay
  the rest. Make sure you have a liability policy
  of at least 100,000 per person for accidents and
  300,000 per accident, defined as 100/300. The
  limits of 250/500 will be even better. So many
  drivers don't have benefits, so it's also prudent
  to make sure you have uninsured motorist
  coverage. This protects you, not anyone if you
  get a driver with no insurance. It's going to
  cover medical costs. It can be much better than
  health insurance in some ways because it can even
  pay for your missed earnings if you can't work
  after an accident.

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• What about the poor weather? Or poor people, like
  those who steal or vandalize cars? That's why you
  want a crash and extensive coverage. They cover a
  wide variety of damages to your vehicles, such as
  hail, flooding, vandalism, and robbery. 
• Roadside assistance coverage can also be
  convenient, mainly if your car breaks down in an
  unfamiliar place. Usually, you can add roadside
  assistance coverage to your automobile insurance
  policy. These extras may not seem necessary to
  the regular driver, but they may be invaluable to
  road trips.

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• Generally, when you go somewhere, you ought to
  have your car insurance ID with you. If you have
  it on your phone, it's easy to take it with you
  via your insurer's mobile app. Before you go on
  holiday, download your mobile app from your car
  insurance provider and check that you can access
  your ID card. Finding cheap car insurance is not
  always straightforward. One approach that could
  work for you to shop online but to purchase by a
  phone app.
• You will get a free instant quote for road trip
  insurance from Way.com. If you choose to rent a
  car for your road trip, we at Way.com will offer
  renters collision insurance (including damage
  and theft protection). Although car rental
  agencies can also sell you rental insurance for
  your road trip, it often works in daily charge
  increments, quickly becoming very expensive.