INSURANCE NEVER TAKES A DAY OFF: DIFS SHARES INSURANCE TIPS TO HELP MICHIGANDERS ENJOY SUMMER TRAVEL

States News Service

The following information was released by the Michigan State Government:

Summer travel season has arrived, and the Michigan Department of Insurance and Financial Services (DIFS) is providing insurance tips to help Michiganders prepare as they hit the road or travel abroad throughout the warm-weather season.

"Summertime is great for getting out on the road and exploring the state and beyond, and it is also a good time to review insurance policies to help you be prepared in the event of an accident or other surprises as you travel," said DIFS Director Anita Fox. "Understanding your current coverages, researching additional coverages you may need, and being financially prepared for the unexpected can give you peace of mind to fully enjoy your summer adventures."

To help prepare for a summer full of travel, Michiganders should:

Check your auto insurance policy to ensure your coverage is current and consider whether you need optional coverages like collision or comprehensive coverage in case of an accident, theft, or weather-related damage.

If you rent a vehicle during vacation, check to see if your credit card or personal auto policy covers damages to a rental car, as well as liability coverage for any damage you may cause while driving the rental car. It is important to make sure you have coverage no matter the vehicle you are using.

Keep your proof of insurance in your vehicle or accessible through a mobile app in case you need to report a claim while traveling.

Ensure you have a plan in place, such as a dedicated emergency fund, in case you need to pay an insurance policy's deductible or copay in the event of unforeseen circumstances.

Consider whether you need travel insurance to ensure you have coverages in place to protect your trip, property, and in case of medical emergencies:

Travel insurance may cover you in the event of unforeseen financial losses, such as medical emergencies, trip cancellations, emergency evacuation, baggage loss, and delays. However, it is important to read the policy closely. Also, make sure to finalize your itinerary before buying a policy, as itinerary changes you make may affect coverage.

Trip cancellation coverage contains a list full of "covered reasons" or "named perils." If you need to cancel a trip and the reason for the cancellation is not on the list, however, your claim will be denied.

Check your existing homeowners, auto, and medical policies to see if you are covered while traveling. Homeowners insurance often covers personal property theft, but it is important to confirm your deductibles and any coverage limits for high-value items.

It is especially important to confirm your coverage when you are traveling abroad, including if you are driving your car out of the country. Coverage may differ in those circumstances, and Michiganders should also be aware that Medicare generally does not provide coverage while traveling abroad. Review your policies or contact your insurance company or agent to confirm your coverage while you are out of the country.

Always keep your proof of travel insurance documents securely on you or accessible through a mobile app in case you need to report a claim while traveling.

Michiganders should reach out to their insurance company or agent for help with their existing insurance policies or with questions about travel policies. Consumers can find a licensed insurance agent or agency by using the DIFS Licensee Locator Tool. Using DIFS' Licensee Locator tool allows consumers to verify that they are dealing with properly licensed individuals and agencies in the insurance industry.

Consumers can also contact DIFS for assistance, Monday through Friday from 8 a.m. to 5 p.m. at 877-999-6442 or Michigan.gov/DIFS.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. Translation services are available for individuals with limited English proficiency who contact the Department. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.