Even if you are traveling out of state your auto insurance still covers you. If you are driving to Mexico or other Central American countries be sure to check your policy to see what limitations exist. For the most part, auto policies limit coverage to areas within the United States, a territory or possession of the U.S., and providence/territory of Canada.
You should be able to report your out-of-town accident to your insurance company the same as if you were at home. Major insurance companies for the most part have 800 numbers. Whether the company assigns the claim to where the accident happened or where you live it should be handled with efficiency as they want things to get back to normal as quickly as you do!
In the case of towing your insurance company should help you regardless of where the accident happens. The major insurance companies have networks for towing in most areas of the country and should be able to provide towing options.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companiesí forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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