Do you often drive to other states for work or vacation? If so, it is prudent to make sure your current insurance coverage meets the state minimum insurance law of the destination state. Almost all permanent car insurance policies will easily satisfy this requirement, but there have been times when someone’s plan has fallen short and thus they took an unnecessary risk. It’s easy to contact your insurance company to double-check that you are properly covered. In fact, you may as well ask whether you are covered sufficiently to drive in all 50 states. Your agent will most likely give you the go-ahead, which means you can travel without fear of running afoul of state laws. The bottom line, though, is better safe than sorry! With the right insurance, any accident costs you incur while traveling with be properly covered by your insurance company with a minimum of hassle, including liability costs such as injury and property damage (each plan will vary, though, so contact your agent).
In addition to comporting with state law, another wonderful feature of temporary car insurance is that you can cover more than one driver of a single vehicle. In other words, if someone needs to take your car for a short amount of time, you’ll both be covered and have some extra reassurance that you’ve taken all the necessary steps. A great example of a situation where you need to temporarily add another driver to your plan is when a child comes home from college to stay for summer vacation. If it’s more economical for them to share a car with you, you should certainly take the relatively straightforward step of adding your child as a temporary driver on your policy. Be aware that these temporary coverage plans last around a month, but you’ll want to check with your agent to be absolutely sure of the cutoff date.
To conclude, a simple call (or email) to your insurer will quickly head off any potential financial disaster in the future where someone “just borrows the car for a minute” and ends up in a fender-bender. It’s so much better to be safe than sorry in situations like this since when we are least paying attention is generally the time that something can go wrong. Since these temporary car insurance plans are becoming more affordable, there’s really no excuse not to have the proper coverage at all times for all the people who might potentially need to make use of your vehicle.