Should you get additional car or liability insurance for a road trip? This short article offers some expert tips.
A lot of people wonder if travel insurance is worth it. The answer is always the same. Only if you need it.
That’s why it’s called insurance. It acts like an invisible security net, ready to catch you if you fall, or if something falls upon you.
I’m not a lawyer, or an insurance agent, nor do I play one on TV. Everything you read here is my opinion. Always consult a professional insurance agent before you travel. Let them help you decide which types of coverage, are right for you and your family.
With all that said though, my wife and I don’t bother with travel insurance for short jaunts and road trips of two weeks or less. While driving in Canada, I know that my auto insurance will cover my car, its contents and occupants in the event of an auto accident.
If however, I’m going to another country, I definitely get trip cancellation insurance and travel accident insurance. There’s also special travel medical insurance, which I sign up for, when traveling to a developing countries like China and Mexico.
When it comes to car insurance, you’ll need to talk to a professional. Some places like Mexico require additional liability insurance, but it’s a good idea to bump that up for road trips anyway, in my opinion. Besides, you can always downgrade the liability insurance once you get back home.
Ultimately, it’s a choice that you have to make, for both you and your family. You need to balance the cost of the insurance versus the risk. You also have to live with the consequences if you get into an accident and don’t have insurance.
So be sure to call your insurance agent. Ask them to explain the various types of travel insurance. This includes things like travel medical insurance, trip cancellation insurance, travel accident insurance, and bumping up the liability on your car insurance, just for road trips.
For buying the travel insurance and getting informed, I rely on my automobile association. I’ve found them to be very patient and helpful.
If you’re not a AAA / CAA member, now would be a good time to join. They help with roadside emergencies, travel plans and booking hotels. They can also advise you on insurance matters, giving you and your family the insurance they need.