Florida is a vacation destination for many American and foreign travelers. During spring break, the state is practically bursting at the seams. As a result, traffic increases ― and when traffic increases, accidents increase. Any time you are in an accident, it is a hassle, but if you get into an accident in a state other than your home state, it is an extra burden. Not only are your travel plans interrupted, but you also have to deal with car repairs or towing in a foreign state.
If you are in a car accident out-of-state, understand that your automobile insurance still provides coverage. As in any accident, you should call the police and file a police report, because your out-of-state insurance carrier may require it. You should also exchange information with the other driver, write down your observations and, of course, don’t admit fault.
The next thing you need to do is call your insurance carrier. Most insurance companies have claims adjusters in almost every state, so either an adjuster from your hometown or an adjuster in the locale of the accident will handle your claim. You will want to ask whether your policy covers out-of-state towing, out-of-state repairs and out-of-state rentals.
The biggest expense is usually getting your car back home. If it has to be towed, make sure the towing is covered by your insurance, or at least understand what portion of the towing your insurance will pay for. Alternatively, you may opt to have the car repaired in the state of the accident ― but you need to make sure that the repair shop is covered by your insurance. Often, your insurance company can recommend repair and towing companies to help you since you probably aren’t too familiar with auto service companies out-of-state.