As the holiday season approaches, millions of Americans are gearing up for road trips to visit family, friends, or explore new destinations. While you’re packing your bags and mapping out your route, don’t overlook an essential part of your travel preparations: car insurance.

Here are a few important things to consider about car insurance during your holiday road trips, including understanding what a non-owner car insurance policy is and how it can protect you.

1. Check Your Existing Policy for Coverage

Before hitting the road, review your current car insurance policy. Most standard auto insurance policies include coverage for accidents that occur out of state, but it’s always wise to confirm the details. Make sure you have:

  • Liability Coverage: Covers damage or injuries you cause to others.
  • Comprehensive and Collision Coverage: Protects your car from accidents, theft, or weather-related damage.
  • Roadside Assistance: Adds peace of mind for unexpected breakdowns or flat tires.

If your coverage seems insufficient, consider upgrading your policy temporarily for the duration of your trip.

2. What Is a Non-Owner Car Insurance Policy?

A non-owner car insurance policy is a special type of coverage for individuals who don’t own a vehicle but occasionally drive. This type of policy provides liability coverage for bodily injury and property damage if you cause an accident while driving a borrowed or rented car. However, it typically does not cover the car you’re driving or offer collision and comprehensive coverage.

Example: Imagine you don’t own a car but rent one every holiday season to visit your family. A non-owner policy would ensure that if you accidentally rear-end someone during your trip, their medical bills and vehicle damage are covered. It’s a cost-effective solution for those who drive infrequently but still want to be protected.

3. Rental Cars and Insurance

If you’re renting a car for your holiday trip, check whether your personal auto insurance extends to rentals. Many policies do, but you may want to consider the additional coverage offered by the rental company, especially if you lack comprehensive and collision coverage.

4. Holiday-Specific Risks to Watch For

  • Increased Traffic: With more drivers on the road, the chances of accidents increase.
  • Winter Weather: Snow, ice, and sleet can create hazardous conditions.
  • Theft Risk: Parking lots at malls or hotels can be hotspots for theft during the holidays.

Being aware of these risks and ensuring your policy is up to date can help you stay protected and stress-free.

5. A Quick Tip for Peace of Mind

Carry proof of insurance in your car or on your phone at all times. Many states accept digital insurance cards, but having a physical copy as a backup is always a good idea.

Ready to Hit the Road?

Whether you’re driving your own car, borrowing one, or renting, ensuring you have the right insurance coverage is crucial for a safe and worry-free holiday trip. If you’re unsure about your current policy or want to learn more about non-owner car insurance, Payne Insurance Group is here to help.

Contact us today for a free policy review or to explore the best coverage options for your holiday travels. Safe driving and happy holidays!