Frequently Asked Questions About Auto Insurance and Being in a Car Accident Out of State

Imagine this: You are driving out of state and suddenly you find yourself involved in a car accident. Your mind will likely suddenly swirl with questions. Are there different steps you should take when filing a claim out of state? What if the state’s required minimum is more than your state’s? And will your insurance company travel to another state to look at your vehicle? If you are in this situation, getting answers to some of the questions you have may help to ease some of your worry and stress.

Are There Different Steps to Take When Filing a Claim Out of State?

For the most part, no. When possible, you will want to get a report from law enforcement. You will want to exchange insurance information with the other driver. You will want to get contact information from any witnesses. And you will want to take pictures of the accident scene to document everything. From there, you will want to notify your insurance company and if required, the DMV in your state.

What if Your Minimum Auto Insurance is Less Than the State You Are Traveling In?

If you only carry the minimum amount of auto insurance, your auto insurance automatically adjusts to the minimum amount when you travel in another state. As such, if you are required to carry $15,000 in insurance in your state, but travel to a state that requires you to carry $20,000, your auto insurance will automatically increase the amount if you are in an accident in that state.

How Do You Get Your Car Inspected and Repaired?

If you are out of state, your insurance company may handle the inspection process a bit differently. Depending on how close you are to your state, they may have one of their adjusters drive out to the repair shop to inspect your car. If they are a nationwide company, or have offices in the area, they may have a company representative inspect the car. Some will accept pictures or phone snap shots if the damage is minor. And other companies may just ask for pictures along with a write up from the repair company. Ask your insurance company how they handle this situation, as it does vary.

If you have questions about your auto insurance policy and driving out of state, or you plan on driving out of state frequently for work and want a new policy that offers better protection, contact Peter Laczko Insurance Inc. We serve the greater Woodstock, GA are and would love to help you with all of your insurance needs.

Considering Home Insurance: Tips, Benefits and Tricks

To get to the heart of insurance in Niles, IL, it means thinking about events that you’d rather not think about. This is entirely understandable but can lead to disaster for you and your family. Bob Korvas Agency Inc. wants you to know more about the tips, benefits, and tricks of home insurance in your area for a better general understanding.


The best tip we can give you is to plan for your home. This means that just because your sister pays a certain premium, you’re not basing your own costs off of hers. You may have more to protect or different priorities. You should also be willing to consider how you would pay for a variety of events that may happen. If you don’t have the savings to cover an incident, then you may want to make provisions for it in your policy.


Home insurance saves people thousands of dollars in out-of-pocket costs every day. Bills add up quickly, and the only way to keep a roof over your head may end up being your insurance. It gives people a sense of control when they can make their own decisions about what to do, rather than having to call upon friends or family to help.


Finding a person who can answer questions about insurance is one of the best tricks Bob Korvas Agency Inc. can give the people of Niles, IL. You’re not going to be able to memorize every detail, so having helpful advice gives you a means to make informed decisions. If you’re shopping around for a new policy or you’ve just put the first payment down on your home, give us a call to see how we can help you figure it all out today.