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Indiana Department Of Insurance Offers Tips To Protect Your Spring Break Trip

Last updated on Thursday, March 8, 2018

(INDIANAPOLIS) - This time of year, college students and younger school-aged kids are counting down the days to spring break. Many families use this time while school is out to enjoy some vacation time between winter and summer.

If you and your student are planning a getaway, there are insurance details to address no matter where you're headed. The Indiana Department of Insurance suggests you review these important tips before heading out on vacation.

"We want Hoosiers to have a safe and enjoyable spring break vacation void of any insurance-related issues. Before any trip, the Department encourages you to review your insurance coverage to understand what is covered in the event that something happens," said Indiana Department of Insurance Commissioner Stephen W. Robertson.

Review Your Coverage

If your son or daughter is traveling alone, involve them in the review process. First, collect all pertinent insurance paperwork and make copies. When you share this information, explain the importance of keeping these documents safe and in an accessible location.

Auto Insurance

If your child will be driving a family car, show him or her where you keep the insurance information in that vehicle and review emergency procedures. Make a list of contact numbers and important information for quick reference. Place this with the insurance identification card in the glove box. Include the name and phone number of the insurance company or agent, policy number and your complete contact details.

Before leaving home, you may want your child to download the NAIC's WreckCheck™ app. The free mobile app outlines what to do immediately following an accident and will walk your child through a step-by-step process to create an accident report. The app directs them to capture photos and helps document and share only what is necessary to file an insurance claim. Users can even email their completed reports to themselves and their insurance agents. The app is available on the iTunes app store and Google Play.

If you don't have a smartphone, you can print a copy of this accident checklist and keep it in the glovebox. Also, check that you have your insurance ID and registration in the vehicle at all times. Other important tips include:

Health Insurance

Getting hurt or sick away from home can be scary. Go over your health insurance information. Ensure your son or daughter knows the name of the insurance company and has a list of emergency numbers, including the numbers of your family doctor and your insurance company, in addition to your cell phone number. Also explain the meaning of general insurance terms like co-pay and out-of-network.

Prepare by collecting important information and reviewing the following checklist:

International Travel

Generally, American auto and health insurance isn't readily accepted outside of the United States. If you travel outside the country, your medical insurance is likely invalid which means you'll pay for your care out-of-pocket. To find out more about the extent of your coverage, speak with your insurance agent or company before you leave home.

Travel insurance can be purchased if you are concerned about accidents or losses during a trip. If you are considering the purchase of a travel insurance policy, review the policy terms carefully to make sure you understand all coverages and exclusions before making a purchase.

If it applies, review the travel insurance policy with your child before he/she leaves, focusing on the process your child would use for getting assistance, if needed.

Group Travel

Group travel is a popular way for kids to travel away from home without a parent for the first time. If your child is traveling in a group with sponsors or chaperones, make sure you provide the group leaders with emergency contacts and insurance information as well.

More Information

The Indiana Department of Insurance offers information that can answer your questions about auto insurance, health insurance, home insurance, life insurance and more. Check out the brochures at www.in.gov/idoi/2549.htm. If you have other questions or are confused about your insurance coverage, contact your agent or provider.

About the Indiana Department of Insurance

The Indiana Department of Insurance (IDOI) protects Indiana's insurance consumers by monitoring and regulating the financial strengths and market conduct activities of insurance companies and agents. The IDOI monitors insurance companies and agents for compliance with state laws to protect consumers and to offer them the best array of insurance products available. The IDOI also assists Hoosiers with insurance questions and provides guidance in understanding how insurance policies work.

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