Imagine this: you take your family for five star rated mini-golf you have heard so much about when you realize you missed the turn. As you try to find out where you are going, you fail to realize that the road goes ahead from four lanes to two. (Did I mention that you are not familiar with the area?) Before you know it, the traffic comes to a complete stop. Except you. You guessed it - an accident occurs. Now what? You're six hours away from home, not sure what you need to do, or where you should go. Fortunately, there are answers to these questions, but it may take a little planning on your part to make it a little less stressful scenario.
Before leaving home, you must complete a risk assessment. Make sure you can answer the following questions: What would you do if your vehicle was involved in an accident and you were unable to drive? Want to rent a vehicle? Would you have the vehicle repaired locally or transported home? If you had it repaired locally, would you need to return to your holiday destination after repairs are completed? These questions, and others, cause a lot of stress and even panic after an accident.
Once you have thought about your questions, discuss the details of the coverage of your auto insurance policy. If you have rental coverage, you may find that your policy limits the amount of your daily rental. In most cases, this may not be a problem, but if you travel in a minivan and your policy pays only for a four-door sedan, you may find yourself in a difficult situation. You will also need to see what is covered if you need to tow your car. Most car insurance policies will pay for towing if your vehicle is disabled due to a car accident, but it is generally limited to what is considered reasonable and customary. For example, the towing of your vehicle 50 miles to a repair center is reasonable; towing your vehicle 285 miles would be neither reasonable nor customary. Charges for extra miles can be your responsibility.
in mind, you should weigh the costs and benefits of both repair your car on site and transporting your vehicle at home. If you choose to have repairs done on site, this would be an ideal opportunity to reach out to your independent agent. Very often, they prefer to work with certified repair facilities and your agent can help you get in touch with them. You should also consider the additional costs associated with returning to your vacation spot to collect your vehicle (fuel, loss of income, accommodation, etc.). If you choose to have your vehicle transported home, consider a company that specializes in everything, as opposed to a towing service. In most cases, transportation of your home vehicle is more economical than return to collect your vehicle. Contact your independent agent so they can help you make the best decision based on what is covered in your policy.
Accidents happen, but you do not have to let it ruin your holiday. With careful planning, you can be better equipped to move forward incident. You can even consult the brochure "What to do after a car accident" to help them know what to do after an accident. Do you have tips on how to relieve stress after an accident?
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