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What Happens If You're Involved in an Accident Out-of-Town?

If you have an accident while you're in another city or state. Any time you get on the road and drive, there's a chance you could be involved in a car accident. If you're in another city or state, you will run in to unfamiliar streets, road signs, traffic and driving patterns, and your risk is even higher. Though they may not happen often, out-of-town accidents do happen. If you're involved in one, here are A few tips on how to address this if the issue should arise, brought to you by Mosaic Insurance in Prescott, Arizona


First, if you're far from home, your auto insurance still covers you. Generally, auto policies limit coverage to areas within the United States or a territory or possession of the U.S., as well as a province or territory of Canada. So, if you're taking a cross-country road trip, your auto insurance extends across state — and likely even Canadian — lines. Be sure to check your policy to see what limitations exist, especially if you're driving to Mexico or other Central or South American countries.


You may need a tow truck after an out-of-town accident. If so, your insurance company can help you, regardless of your location. Your company should be able to provide available towing options in the area where the accident occurred, and they often can arrange for your vehicle to be towed — a huge help in unfamiliar territory. Major insurance companies have networks of towing companies in most areas of the country, which helps alleviate the stress that comes with arranging for a tow in a faraway place.


In some cases, you may want to tow your vehicle back home rather than leave it where it is and repair it there. If your accident occurred hundreds of miles from your home and you're using your insurance to cover the damage, your insurance may pay for a portion of the tow, too. The entire towing cost may not be covered by insurance depending on your particular coverage and how your policy determines what reasonable towing costs are. Claims are considered on a case-by-case basis, so make sure you discuss your needs with your insurance company as they arise.


If you choose to repair your car at a facility near the location of your accident, your insurance company can still help. Similar to networks of towing companies, insurance companies often partner with or have a network of repair shops in most areas of the country, so your insurance company should be able to recommend a shop if you need one. Local adjusters will still estimate your damage and work with the body shop to repair your vehicle, even if it's hundreds of miles from home.


Feel free to call your Mosaic Insurance Agent for any help with your existing policy or even to start a new one! 928-458-7374

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