Many people travel during the holidays, taking for granted the fact they are covered by their auto insurance. They have secured the required $10,000 in PIP coverage to cover their first $10,000 in medical expenses and lost wages. However, depending on their mode of transportation on their vacation, travelers may not be covered by their insurance policy.
If you are driving in a vehicle listed on your policy, you are covered wherever you travel. The trouble arises when you are traveling out of state and you are using a vehicle that is not insured with your insurance company. In such cases, you are not covered by your insurance policy. The one possible exception is if you are driving a rental vehicle. In such instances, some insurers treat a rental vehicle as if it is the insured vehicle. It is important to check the language in your policy to see if your insurance company covers rental vehicles. If not, you may want to elect to take the rental insurance.
While the last thing vacationers are worried about is their auto insurance, it is very important to review your coverages prior to traveling.
Lyle B. Masnikoff, Esq. Law Offices of Lyle B. Masnikoff & Associates, P.A. 1645 Palm Beach Lakes Blvd., Suite 550 West Palm Beach, FL 33401 Phone: (561)598-7120 Fax: (561)598-7127 Website: www.workerscompfl.net www.piplawsuits.com Email: [email protected]