It’s a question most people would not ask themselves until it’s too late: “what happens if I get in a wreck in a different state?”
Car accidents can happen anywhere at any time. And while your car insurance coverage meets your state’s minimum requirements, what happens if you’re involved in a car accident outside of your state of residence? Are you still covered for injuries and damages?
Personal injury laws and regulations differ across state lines, so the location of an auto accident can make quite a difference to victims.
Though the Dallas Metroplex is fairly centered in North Texas, many of us travel outside the state occasionally. Whether it be for vacation, business or various other reasons, driving in states other than Texas is common.
The first thing you need to know is that no matter how far away from home you are, you are most likely covered by your current auto insurance policy. Most car insurance companies offer policies that cover areas within the U.S. as well as territories like Puerto Rico. Some policies may even cover Canadian provinces.
However, double check your policy’s territory limits as an extra precaution, especially if you plan on driving south of the border to Mexico, as other countries may not be covered.
While you may be covered when traveling across state lines, it could benefit you to learn a little bit about the car insurance laws in the states where you will be traveling. This can help you better plan what type of additional coverage you may need since minimum requirements vary by state.
In the unfortunate event you’re involved in an auto accident while outside the state of Texas, the state law in which the accident occurred typically must be adhered to. Specific circumstances can change the effective laws, but only an experienced injury attorney would be able to determine those facts.
Things such as accident location and at-fault party, where the claim was filed, and whether it’s state or federal all have significant impacts on an injury claim.
Even if you’ve been involved in car accident outside the state of Texas, the legal team at Reyes Browne Reilley are happy to answer your questions with a free consultation. In special circumstances, experts from outside the accident state can represent victims. If you’re not a Texas resident but need an attorney located within the state, we can assist as well.