Vacation is supposed to be fun and relaxing, but accidents can still happen. Even getting into a minor fender bender can ruin your vacation. Having New Hampshire auto insurance from an agency like Morin Insurance will give you peace of mind, so you can enjoy your trip knowing our agents will help you in the event of an accident.
Will your New Hampshire auto insurance cover you if you get in an accident on vacation? Here’s what you need to know.
Stay Safe and Contact the Authorities
The first thing to do is handle an accident while traveling just as you would at home. Immediately after the accident, check for injuries and call emergency services if anyone is hurt. If possible, move your vehicle to a safe location and turn on your hazard lights to warn other drivers.
Even if the accident seems minor, contact the local police. When dealing with insurance companies and rental agencies, you’ll need an official report. Be sure to get the names and badge numbers of responding officers and ask how to obtain a copy of the report.
Gather Information and Notify Your Insurance Company
Exchange contact and insurance details with the other drivers, including license plate numbers. Take photos of the vehicles, damage, accident scene, and any visible injuries. If there are witnesses, ask for their contact information as well.
Whether you are still in New Hampshire or out of state, contact your auto insurance provider as soon as possible. Many policies include coverage for rental cars or accidents during travel. Provide them with all the details and follow their instructions for filing a claim. If you were driving a rental, you’ll also need to contact the rental company. They will guide you through their accident protocol, whether or not you purchased additional insurance coverage through them.
Review Your Coverage and Liability
Understanding your policy limits and deductibles is crucial. Our agents will ensure that you understand the ins and outs when you purchase your policy, but we’re also always willing to explain it to you again if you forget the details.
New Hampshire Auto Insurance | Morin Insurance Agency
A car accident is the last thing you want to deal with when you’re on vacation. However, if you have the support of our team at the Morin Insurance Agency, you can rest easy. Once we have all the information we need, we can take care of your claim so you can get back to relaxing.
