It’s peak summer, the kind of season where the sun lingers, the playlists are curated, and families across Georgia, Texas, and beyond are packing SUVs for long-awaited adventures.

But here’s the kicker: does your auto insurance actually cover you on a summer road trip? Too often, travelers don’t think about it until they’re stuck on the side of the road wishing they had.

In this guide, we’ll break down what your policy really covers, the endorsements most people overlook, and tips to keep your trip protected—from mile one to the final destination.

What Standard Auto Insurance Covers (and What It Doesn’t)

At OnePoint, we believe knowledge is power. Let’s start with the basics of standard coverage before we dive into optional add-ons that can make or break your road trip protection.

Core Coverages:

• Liability Coverage – Required in most states; covers injuries and property damage you cause, plus legal defense.

• Collision Coverage – Pays for your car’s damage after a crash, regardless of fault (often required if you finance/lease).

• Comprehensive Coverage – Protects against theft, hail, fire, vandalism, or animal strikes.

• Personal Injury Protection (PIP) – Required in no-fault states; covers medical bills, lost wages, and more.

• Medical Payments Coverage (MedPay) – Helps with medical costs in at-fault states.

• Uninsured/Underinsured Motorist (UM/UIM) – Covers you if the other driver has no insurance or too little.

• Property Damage Liability – Pays for damage you cause to others’ cars or property.

• Bodily Injury Liability – Covers injuries you cause in an at-fault accident.

Optional Auto Insurance Endorsements Worth Considering

This is where an independent agent really earns their keep—helping you tailor protection for real-life scenarios like road trips, new cars, or seasonal driving. Some of the most valuable add-ons include:

• Roadside Assistance – Towing, jump-starts, lockouts, fuel, and tire changes.

• Rental Reimbursement – Covers a rental car while yours is repaired after a covered loss.

• Trip Interruption Coverage – Pays for food, lodging, and transport if you break down far from home.

• Gap Insurance – Covers the loan/lease balance if your car is totaled.

• Full Glass Coverage – Waives your deductible for windshield repairs/replacements.

• OEM Parts Coverage – Ensures repairs use manufacturer-approved parts.

• Custom Equipment Coverage – Protects upgrades like rims, sound systems, or camping gear.

• New Car Replacement – Replaces a totaled vehicle with a brand-new model.

• Rideshare Coverage – Protects Uber/Lyft drivers.

• Non-Owner Insurance – Liability coverage for frequent renters/borrowers.

• Accident Forgiveness – Keeps your premium from spiking after your first accident.

• Vanishing Deductible – Lowers your deductible the longer you stay claim-free.

• Usage-Based/Telematics Programs – Discounts for safe driving habits.

Why Independent Agencies Deliver Better Coverage

Captive agents represent one insurer. Independent agencies like OnePoint represent many. That means:

• We compare multiple carriers to find you the best fit (not just the quota).

• We recommend the endorsements that matter most for your lifestyle.

• We make updating drivers, vehicles, or coverage quick and easy.

• We understand state requirements, seasonal risks, and claims processes in a way no national hotline can.

Get the Right Coverage Before You Hit the Road

Your car should be as road-trip-ready as your snacks and playlists. Insurance isn’t just about “having coverage” it’s about having the right coverage.

👉 Review your policy or request a quote on our Contact Us or Auto Insurance page.
👉 Explore our Blog Hub for tips on bundling, teen drivers, road trip safety, and more.

OnePoint Insurance: Trusted, Independent, and Always On Your Side.