Most drivers assume their car insurance goes wherever they go. It largely does, but rental cars, borrowed cars, extra drivers and roadside breakdowns all raise questions that are better answered at home than at the side of an interstate.
The traffic you will be part of
AAA expects 45 million Americans to travel at least 50 miles from home between Thursday, May 21 and Monday, May 25. A record 39.1 million of them will go by car, 87% of all holiday travelers. AAA also reports that it handled more than 350,000 roadside calls over last year's Memorial Day weekend, mostly for dead batteries, flat tires and empty tanks (AAA).
More cars on the road means more chances for a claim. Answer these five questions before you load the trunk.
1. Does my policy cover me in other states?
In general, a standard personal auto policy covers you anywhere in the United States. The detail to confirm is your liability limits. Every state sets its own minimums. Ask your insurer how your policy applies if you drive in a state with higher minimums than yours, especially if your limits are set at your own state's minimum.
2. Am I covered in a rental car?
That depends on your policy and your state. According to the National Association of Insurance Commissioners, rental cars are covered under your collision and comprehensive coverage in some states, and there are variations in how that coverage applies (NAIC).
What the policy actually says
- Liability follows you as the driver, generally including in a rental car.
- Collision and comprehensive may or may not extend to a rental. If your own car carries only liability, the rental's damage is not covered by your policy.
- Credit card benefits often include collision and theft protection, but the NAIC notes these are usually secondary: they pay only after your auto policy or the rental company's coverage ( NAIC ). Call your card issuer and ask exactly what is covered.
- The rental counter. If neither your policy nor your card covers the rental, the NAIC says buying the rental company's liability coverage and collision damage waiver may be the prudent choice.
3. Who is driving?
If a friend or relative will share the driving, confirm how your policy treats occasional drivers who are not listed. Policies differ. A household member who drives regularly should already be listed on the policy.
4. What happens if the car breaks down?
Roadside assistance is often an optional add-on to an auto policy, or a separate membership, rather than part of basic coverage. Check whether you have it, what it includes (towing distance, lockout, fuel delivery, battery service) and the number to call. Save that number in your phone now.
5. Are my limits high enough for highway driving?
Liability coverage pays for injuries and damage you cause to others (NAIC). A multi-car accident at highway speed can produce costs far above a state minimum. If your limits are low, raising them often costs less than drivers expect. Ask for a quote.
Coverage check
The bottom line: a road trip is not the time to discover what your policy excludes. Ten minutes on the phone with your insurer and your card issuer this week will tell you exactly where you stand before you leave.
Sources
- AAA, 45 Million Americans Planning Memorial Day Weekend Getaways , May 11, 2026
- National Association of Insurance Commissioners, Auto Insurance consumer guide
- National Association of Insurance Commissioners, What Does Auto Insurance Cover?
- National Association of Insurance Commissioners, Tips for Saving on Your Auto Insurance
Insurance rules and prices vary by state and insurer. This article is for general information, not individual advice; consult a licensed insurance professional for your situation.