5 Frequently Asked Questions about International Auto Insurance

The 5 frequently asked questions about international auto insurance are for people who are not necessarily seasoned travelers. You may need advice because you are going on vacation or a business trip. Maybe a family emergency is leading you to another country.

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No matter the cause for needing international coverage, it is important for you to have the facts before you head out on your journey. Every country has specific rules and regulations for drivers and automobile insurance.

Where can I find good information on driving abroad?

You can check with the U.S. Department of State and find the country or area where you plan to travel. Use this resource to ensure that you are not breaking any laws as they pertain to driving in another country. You can also find helpful tips regarding the major roads and driving styles of the natives. Remember, many countries allow driving on the opposite side of the road that what you are used to.

You should take special care when driving abroad. Don’t rely on being an American citizen to keep you from receiving fines or worse.

If you are stopped, you will be expected to produce the proper documents.

Obtaining international car insurance does not have to be a challenge. You need to find a reputable auto insurance provider that can answer your questions. They should be able to process the correct policy for the country you visit. This means they must have full knowledge of all of their laws to protect you, their customer.

Do I need international auto insurance to drive while on vacation?

One of the most common questions regarding international car insurance is from people who are planning a vacation outside of the United States. While many vacationers prefer to use public transportation, others do not.

The schedules may not match their itinerary, or maybe they are just more comfortable driving themselves. If this pertains to you, remember that although you will only be there a short time, you still need car insurance. Your United States auto insurance is not considered valid outside of America. For this reason, you will need to acquire a policy.

Luckily, international auto insurance is recognized in all countries. No matter where your destination, you should be covered without incident.

Your best choice is to start with your current auto insurance provider. Many auto insurance companies are offering international car insurance as an option. You may be able to take care of your responsibility with someone you already know and trust. However, if they are unable to meet your request, they should be able to give you names of a few who can.

You may also need an International Driver’s Permit or IDP. According to the Association for Safe International Driving, an International Driver’s Permit is useful since many countries will not acknowledge a U.S. driver’s license.

You can also use the IDP as a form of identification while traveling abroad. You can obtain one for less than $20.

What kind of coverage do I need?

Another question that surfaces regarding international auto insurance surrounds the coverage levels. In the United States, residents are only required to carry liability insurance. Most regard this level as too basic and opt for more, especially with the number of uninsured and underinsured motorists on the rise.

When renting a vehicle in a foreign country, you will generally receive some level of insurance. However, it is highly recommended that you purchase an international auto insurance policy that offers an additional level.

Liability coverage through the rental car agency will meet the requirements in most countries. They will pay for any bodily injury and damage done to property, just like in the U.S.

Unlike liability coverage in America, however, foreign car rental insurance only protects the driver.

Passengers are at risk, unless you add them to your international auto insurance policy.

Remember to keep your IDP, international auto insurance, U.S. driver’s license and passport together in one binder or holder. The Department of Homeland Security gives this advice to all who travel abroad. It helps at checkpoints and during re-entry into the U.S.

Can I purchase international auto insurance online?

Purchasing international coverage online is very easy. If you are already familiar with the online auto insurance process, you should feel pretty comfortable. You just need to locate the correct provider who will explain all of your options. It is important to call them first to avoid any mistakes. Once you are certain, you can go online and complete the application at your leisure.

Make sure you ask enough questions regarding the safety aspects. If you are traveling with family members, let them know at this time. You will want to make sure they are included on your policy. If you are not clear with your expectations, there may be errors later.

It can be somewhat difficult to secure the proper international auto insurance once you arrive at your destination. Although you may have access to the Internet, some countries block certain sites. They may not have the bandwidth you need to access your auto insurance provider. Get coverage well beforehand.

How long are the policy lengths?

You can purchase a policy for as little as one month or for much longer. This is convenient since you may need to extend your stay.

If you are traveling abroad for business purposes, you may originally schedule your trip for about one week. However, things may change. Perhaps the deal requires more information, or the person you were supposed to meet has a change of plans.

This may require you to remain in the country for a longer period of time. By purchasing your international auto insurance policy through a reputable agent, you can simply contact them and explain the situation. It is always a good idea to find out if they have a local representative in the country you are visiting.

Do I need to cancel my current American auto policy?

You should not cancel your current American policy. The two are very different. Once you return to the U.S., you are going to need coverage. This is especially true if you drove to the airport. How will you drive yourself home without proper car insurance?

It can be somewhat confusing for the new traveler, especially if the same American car insurance provider issues the international auto insurance policy. However, it is important that you understand the difference.

Your current car insurance policy has a separate policy number and expiration date. Your international auto insurance will not work in America.

Cancel your international auto insurance as soon as you are back in the U.S; just don’t cancel your local policy when you go abroad.

The only time you should keep your international auto insurance is if you anticipate visiting another foreign country in the near future. If you purchased a policy for more than one month, like for a vacation, feel free to cancel and request a refund.

Other Tips for Driving in Foreign Countries

The Foreign and Commonwealth Office, also known as the FCO, has tips for drivers who are new to visiting the UK. This information is extremely important for foreigners who are planning a vacation or have a business trip in the future.

Find out about the use of cellular phones. Although most states in America have already banned cell phone use, many foreign countries may still allow this practice. Before you answer your phone, make sure it is legal to do so.

The alcohol limits may be different. In the United States, the Blood Alcohol Limit, or BAC varies by state. Some states place the maximum at .08%, while others limit the percentage further.

If you are stopped for a minor traffic violation, be sure that you know the laws. Many countries do not allow alcohol while driving at all. They have a zero tolerance philosophy that is not waived because you are a foreigner.

Other driving permits required. In addition to the IDP, you may need additional driving permits.

This is because some countries use permits instead of toll fees. They are similar to the E-Z Pass and if you do not have one, you may have to pay a huge fine.

Always use your seat belt. Although the laws in the U.S. for not wearing a seat belt are somewhat lax, many foreign countries consider this a major offense. You may even spend time in jail, depending on where you are traveling. Be safe and buckle your seat belt.

Learn the courtesy rules of the road. Some countries require you to honk your horn or flash the headlights during a turn or when passing another vehicle. Failure to adhere to these requirements can be very serious.

Do not over pack your vehicle. It is extremely important that you are able to see through the back window. A law enforcement officer may stop you if they feel you are a danger on the road.

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