Insurance Implications of Road Tripping with the Whole Family

A person driving.

Road tripping with the whole family creates memories that last a lifetime. It can also introduce some risks and unexpected events that don’t usually occur on shorter, familiar drives like your commute to work.

Some issues can be dealt with by good planning that considers how to pack and prepare for the unexpected. A few common issues to think about before hitting the road are:

  • Lack of GPS or cell reception
  • Car problems (mechanical, engine, flats)
  • Unpredictable weather
  • Risks posed by other drivers

Having the proper auto insurance adds a layer of protection for the whole family.

Why Review Your Car Insurance Before a Road Trip?

It’s never a bad idea to contact your insurance provider before heading out on a driving trip. You’ll want to be sure that expenses resulting from an accident or other event are covered by your policy. Will there possibly be any new drivers? Ask an insurance agent if they’re fully covered, as well. If your teenager who just got their permit wants a try at the wheel, it might be time to add them to your policy – before you hit the road.

As a general rule of thumb, families should have liability insurance that ensures all drivers are protected. A casual call is a chance to ensure that your coverage matches the whole family’s needs.

Travel Insurance Addresses Risk of Accident & Other Costly Issues on Driving Trips

Are you the kind of person who likes to be covered for every possible event that could detail a vacation – or make it a lot more expensive? If the trip is going to cost a lot of money, ask an insurance agent whether it makes sense to add travel insurance. This typically covers pre-paid trip costs due to traffic accidents or other road delays. There are insurance policies that are specific to road trips that can cover costs associated with a number of factors that could impact your journey:

  • Trip interruptions
  • Cancellations due to traffic accidents
  • Significant delays
  • Weather problems or road closures

Prepare for Common Car Problems Faced on Road Trips

What happens when the car starts to shake, one of the warning lights on the dashboard starts to blink or the AC stops working? It can be scary when something unexpected happens while driving in the middle of nowhere, in unfamiliar territory. No one wants to be stuck roadside with no plan of action, which is why it’s so important to have a backup plan in case something goes wrong.

Families can prepare for some common car-related issues by bringing the proper tools with them. Speak to a mechanic after having an inspection to ensure your vehicle is road-ready. You might want to keep jumper cables, a spare tire, a jack and lug wrench, and a multi-tool in the trunk, just in case.

In addition to your roadside service phone number, bring a list of mechanics and gas stations on your route. That way if something happens you’ll know who to call.

Be Sure You’re Covered by Roadside Assistance

Finally, find out if your auto insurance plan includes out-of-state roadside assistance. It won’t hurt if one person knows how to change a flat tire. But other problems can arise, like a malfunctioning cooling system or overheated engine. Even if your car is in great condition, it’s better not to take any chances.

Contact AZ Auto with Insurance-Related Questions

Chances are, everything will go as planned. About that trip to the mechanic, though, better not to wait until the last minute! Drivers should give themselves enough time to make any suggested maintenance or repairs that come up.

Remember: it’s illegal to drive without auto insurance in most states. If full coverage isn’t possible, talk to an agent to set up a plan that will at least protect you and your family while on the road.

Want to make sure your next road trip goes as smoothly as possible? Call AZ Auto today for a FREE insurance quote today to get a policy that match your needs.