There’s nothing like a road trip. From our well-loved national forests to amusement parks, you could travel the USA all summer and never see all our wonderful sights. But if you want to make the trip without worrying about every little thing, there are things you should do long before you lock the door behind you.
“The first order of business is to review your auto insurance coverage,” says Skyler Peak, of Skyler Peak State Farm Insurance. He made a list of key coverages that you should look at, with your agent, to make sure your trip is smooth.
Liability Coverage
The Colorado State minimums on this required insurance are not always sufficient. It pays for damages you cause others, both bodily injury and property damage, but if the damages exceed your limits you may be personally responsible.
Medical Payments
Pays medical expenses for bodily injury sustained by a person in a car accident.
Comprehensive
Pays for a car that is stolen or damaged by causes other than a collision.
Collision
Pays for a covered car that is damaged by collision with another object.
Uninsured/Underinsured Motorist Coverage
Pays for damages when an insured is injured in a car accident caused by someone who is not insured or is underinsured.
Emergency Roadside Service
Pays for emergency services, such as a tow or tire change, and much more.
“Always make sure you are comfortable with your deductibles. If you have a mishap on the road this is the amount you may incur to fix your vehicle.” Skyler reminds us.
The team at Skyler Peak State Farm also has some pre-trip tips for families venturing out.
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Check the air pressure in all tires—and don’t forget the spare!
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Make sure the wiper blades are working well.
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Check and replenish all fluids.
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Check battery life and inspect batteries and cables.
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Test headlights, brake lights, turn signals, emergency flashers and interior lights.
Don’t forget to pack a good emergency kit.
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Jumper cables
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Flashlight
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Emergency flat tire repair/spare tire
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Gloves, blankets and towels
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Hazard triangle, road flares, brightly colored distress sign
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Screwdrivers and wrenches
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First aid kit and medications
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Phone Charger
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Water
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Non-perishable foods
And if you’re taking your furry friends, make sure they have good pet insurance and their own first aid kits, water and food bowls, toys, food, and strong leashes and collars. Another good idea is to have dog booties for cold or hot surfaces and make sure they are used to them before you leave—you don’t want to have to train them on their footwear while you’re on the road.
Now you’re all set for the Great American Road Trip. One last piece of advice—leave some room in the car for your souvenirs!
