Vacations are a time to hang out with family and friends, celebrate an occasion, or escape from our hectic lives. Most people never expect to be injured during a vacation, but unfortunately it happens. You may spend more time outdoors, partake in activities like cycling or swimming, or ride ATVs or motorcycles. Families often drive many miles on roads and highways, which always creates the risk of a collision as well.
If you're planning a trip this summer, understand the laws that impact you and know your legal rights if an unexpected injury arises and you're in an accident while on vacation.
There are various laws you must follow in the states where you travel, such as:
However, there are several less familiar laws you also must keep in mind, such as dog leash laws, dog bite laws, ATV laws, and boating laws. Be aware of these laws in Pennsylvania, as well as any state you'll be in. Why? If you break a law and it leads to an accident, you could face fines and other penalties, compromise your legal rights, and be held responsible for the injuries of anyone you injure.
If you're in a car accident in another state, your Pennsylvania auto insurance policy will almost always determine your rights. Review your insurance policy to be sure you have adequate protection – especially regarding your medical benefits coverage, bodily injury liability coverage, and uninsured/underinsured motorist coverage. Keep in mind that every state has its own laws and conditions that could affect your car accident claim, so it's best to consult an attorney if you're in an out-of-state collision. You can call us any time, day or night, no matter in what state the accident occurred.
Auto insurance isn't the only type of insurance you should keep in mind. If you have a boat, ATV, motorcycle, or another type of motor vehicle that you plan on using on vacation, make sure you have insurance policies covering them and medical benefits to protect you in case of injury.
If you have questions about an insurance policy or want to change your coverage, ask your insurance agent before you go on vacation. It's better to be safe than sorry. You can make changes to your policy at any time, so do it now. Waiting until after an accident will be too late.
It's easy to forget about safety tips when you're having fun and relaxing with friends and family. That's why it's so important to review them often. These resources can help:
Have a happy and safe vacation season!