Many Americans travel across the country for business and vacations. You may wonder if crossing state lines requires getting new coverage. The short answer is no if it's just a short-term trip. However, if you are relocating to a new residence, you'll need new insurance.
Yes, your current auto insurance in your home state will cover accidents not only in other cities within your state, but also out of state. As long as you meet your own state's minimum insurance requirements, you'll be covered for liability, which includes injuries to others and property damage. Generally, auto insurance coverage in the United States covers accidents in all 50 states. It's helpful to check with an experienced insurance agent to make sure you have all the coverage you need when you get auto insurance quotes in Georgia. Make sure you are meeting your own state's coverage requirements. While many travelers get by on vacations without adding extra coverage, it's important to at least carry towing to avoid getting stranded somewhere. Find out if your plan already includes towing. If not, it can be added as a coverage endorsement.
Once you relocate to a new residence in a different state, you will need to meet your new state's minimum insurance coverage requirements. You can keep your current insurer if the company sells policies in your new state, but you will need to update your address. If your current insurer doesn't provide policies in your new state, you will need to switch to a new insurance provider licensed to operate in your new state. Visiting or moving to another country outside the United States requires getting a new temporary policy. You'll need special coverage.
There are multiple ways to review your current car insurance policy. While choices include via phone or email, many people prefer to meet an insurance agent in person. When you plan to move to another state, it's a good idea to secure new auto insurance before you move. States typically allow a certain grace period for new residents to update their insurance policies, which is usually a few weeks to a month.
Planning ahead allows you to learn about your new state's traffic and insurance laws. You will still have coverage from your existing auto insurance policy on your journey to your new destination. Securing a new policy before arrival gives you more comfort, as you can set it to take over on a specific date. If you would like auto insurance quotes in Kennesaw, and surrounding cities, contact us at J&A Insurance Agency today.