Road trip accident accommodations coverage

Gas? Check! Snacks? Check! Awesome road-trip playlist? Check! You’ve got the trunk packed, the games picked out and your route planned — the open road awaits and you’re more than prepared. And while it’s important to have all the particulars in place before you hit the road, don’t forget this one essential detail: Road trip accident accommodations coverage. Let’s take a look at all the ways this coverage can protect you on your great adventure.

4 reasons to buy road trip accident accommodations coverage

At American Family Insurance, our road trip accident accommodations coverage is designed to keep you moving forward — even when your vehicle isn’t. If you have a comprehensive or collision accident 100 miles or more from home, this coverage covers you for the following accommodations:

It gives you a roof over your head. Looking for a nice place to rest your head after the hassle of an accident? This coverage puts $100 toward lodging per day.*

It puts food in your belly. A good meal can make just about anything better — well, except your totaled car. But it will help to know we’ll put $100 a day towards food for you and your passengers.*

It keeps you going. Who says an accident has to put a halt to your trip? We’ll pay up to $50 a day for alternate transportation.*

It provides peace of mind. A road trip should be a time to kick back and relax. It’s your time to voyage out and enjoy the beautiful scenery that surrounds you. Having coverage in place that financially protects you from the unexpected will provide a comfort that’s worth every penny (and it’s not even that many pennies!).

*We’ll pay up to $600, subject to the per-day maximums. Coverage ends 24 hours after your insured car or rental vehicle is repaired or replaced. No deductible applies.

How much does road trip accident accommodations cost?

The price of road trip accident accommodations coverage is super affordable. In fact, you’ll probably spend more on the snacks and drinks you’re bound to purchase during your pit stops! It’s so affordable, in fact, that you can have the coverage for an entire year and still pay less than what you would for a few tanks of gas. Now that’s getting your money’s worth!

How is this coverage different than travel insurance?

Travel insurance is another great safety net to fall back on in case things go wrong while on a trip — but it won’t cover you for accommodations like lodging or food. Depending on your coverage, travel insurance covers you for instances like trip cancellation and interruption, baggage delay, medical expenses and emergency evacuation. So, while travel insurance can save the day in the right instance, it won’t provide assistance for those often expensive necessities you may face if you get into an accident on the road.

Traveling and car insurance

Almost every single state requires a minimum amount of liability car insurance, but what happens when you cross state lines? Are you still sufficiently covered? Good news — in most cases, you’ll be just fine traveling from state to state with your primary state’s car insurance coverage.

According to the Department of Motor Vehicles (Opens in a new tab), most car insurance companies extend coverage to any U.S. state you’re traveling in. Meaning your coverage will rise to meet the state’s limits that you’re driving in.

For example, if you were to get into an accident out of state and your home state’s liability bodily injury insurance minimum is $30,000 but the state you are driving in has a minimum of $50,000, typically, your policy will adjust to meet that $50,000 minimum.

Of course, to ensure you’re properly covered when you hit the road, you’ll want to contact your insurance agent to see how your coverage works when driving from state to state. It’ll be comforting to know that you have the right coverage in place just in case anything were to happen.

Will my roadside assistance work on road trips?

You bet! If you have emergency roadside assistance with American Family Insurance, we’ll help you out of a messy situation no matter which state you’re in. Need a tow? Run out of gas? We’ve got your back 24/7. As with any coverage, there are some stipulations. That’s why it’s always a good idea to talk with your agent before heading out so you understand exactly how you’re covered.

Why should I purchase road trip accident accommodations coverage?

How important to you is peace of mind? Consider what you would do if you got into an accident. Would you want to deal with the stress of an accident while also having to pay for unexpected accommodations? Probably not. road trip accident accommodations coverage is a backup plan that hopefully you won’t need to use, but you’ll be glad to have if something goes amiss on your drive.

Are you interested in learning more or ready to get covered? An American Family Insurance agent is here to help you get the protection you need. Connect with yours today so you can hit the road with confidence!

The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. We are not responsible for the content of any third-party sites that may be linked in this article.