Planning a trip abroad involves plenty of considerations, such as where you’ll stay, how you’ll get around, and what activities you’ll enjoy. For many Utah travelers, renting a car seems like the easiest way to explore. However, one question often arises: will your auto insurance at home, provided by The Smith Insurance Group Inc., serving Sandy, UT, cover you when driving abroad?

Where Coverage Typically Applies

Most auto insurance policies are designed with the United States in mind, and coverage usually ends beyond U.S. borders. If you’re driving in Europe, South America, or other international destinations, don’t assume your Utah policy automatically applies. The only way to be certain is to check with your insurance provider before you leave.

Local Laws and Rental Requirements

Even if your policy extends beyond U.S. borders, rental companies abroad often have specific requirements. They may require you to carry certain protections mandated by local laws before allowing you to drive their vehicles. What qualifies as sufficient coverage in Utah may not meet the standards in another country, which is why travelers are frequently asked to purchase additional protection at the rental counter.

Why Planning Ahead Matters

Imagine arriving at your destination, heading to the rental desk, and discovering that your current policy doesn’t apply. That’s not the kind of surprise you want at the start of a vacation or business trip. A quick conversation with your insurance agent at The Smith Insurance Group Inc., serving Sandy, UT, before your trip can clarify what’s covered and what isn’t.

For Utah drivers, the takeaway is simple: your auto insurance may not extend to international travel. Understanding your policy’s limits before you leave helps you focus on enjoying your trip rather than dealing with unexpected paperwork. Contact us before your journey to learn more about your coverage options.