Getting into a car accident out of state can be a pain. Not only are your travel plans derailed, but you may have the extra headache of dealing with car repairs far from home.
If you get in a car accident out of state, the first thing you should do – after making sure everyone is safe – is call the police. It is extremely important to file a police report, even if there are no injuries. In some states and municipalities, police will only respond to an accident in the case of injuries, but you still need to file a report.
In addition to exchanging information with the other driver, make sure you write down details about the accident. This will be important when it comes to determining who’s at fault.
Do not admit fault. Allow the police time to survey the accident and identify the culpable driver.
After you’ve called the police, and assessed the damage, call your insurance company and tell them the details of your accident. Most insurance companies have networks of claims adjusters across the country, and will be able to send a claims adjuster your way.
If you are out of state, you may want to ask:
• What your policy covers in terms of out-of-state towing
• What your policy covers in terms of out-of-state auto repair
• What your policy covers in terms out-of-state car rentals
If your car has to be towed, make sure it is towed to an auto repair shop recommended by your insurance company.
The biggest expense when it comes to out-of-state auto accidents is typically getting the vehicle back home. Towing costs can quickly add up, and your insurance company will most likely only pay a portion of this. When you buy or renew your auto insurance policy, make sure you are aware of what your insurance company will cover, and what you will be responsible for should you get into an accident – whether out of state, or close to home.
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.