Many people love taking road trips – until they get into unexpected crashes. When that happens far from home, drivers may feel uncertain about their rights and responsibilities. Knowing how to respond and what legal considerations may come into play is important after any interstate crash.
After a collision, safety and documentation are priorities. Medical care should be sought right away, even if no injuries are immediately noticeable. Some symptoms may not appear for hours or days after a collision. If you do not need an ambulance and are far from home, visit a nearby urgent care center or ER.
Call 911, and if possible, move vehicles out of the roadway. Local law enforcement will handle the report. Ask for a copy or report number, as the information will be necessary when dealing with insurance companies. Collect details from the other driver, including their name, license number, and insurance provider.
Photographs of the scene, damage to the vehicles, and visible injuries can be helpful later. If there are witnesses, their contact information should be noted as well.
Will My Auto Insurance Cover an Out-of-State Collision?
Most auto insurance policies provide coverage in all U.S. states. However, coverage limits and policy conditions may differ depending on the location of the accident. The insurance policy will generally adjust to meet the minimum requirements of the state in which the crash took place. For example, if the policy was purchased in a state with lower liability limits, and the collision occurs in a state with higher minimum limits, the insurer may increase coverage to match local laws.
We recommended that drivers contact their insurer promptly after an accident. Insurance representatives will advise on next steps, such as where to take the vehicle for repairs or whether a rental vehicle will be covered. Drivers should avoid discussing fault with the other party and leave that determination to insurers or law enforcement.
What Laws Apply to a Car Accident That Happens in Another State?
Traffic laws vary from one state to another, and the laws of the state where the incident occurred will typically govern legal responsibility and compensation. This includes rules regarding fault, comparative negligence, deadlines for filing lawsuits, and available damages.
Can I File a Lawsuit in My Home State?
Generally, legal claims must be filed where the accident took place or where the defendant resides. If the at-fault driver is from the state where the crash occurred, then the case will likely need to be pursued in that jurisdiction. Some claims may be resolved through insurance without litigation, but if a lawsuit is necessary, the correct venue is an important factor.
What Happens If I Need Medical Treatment After Returning Home?
After receiving initial care while out of state, follow-up treatment with a regular healthcare provider can take place once the person returns home. Health insurance may cover some or all of the costs, depending on the provider network. Documentation of medical visits, prescriptions, and recommendations is helpful in any insurance claim or lawsuit. Keep records of all related expenses, including travel to appointments, missed work, and other out-of-pocket costs. These details may be relevant in assessing damages.
West Chester Car Accident Lawyers at Eckell Sparks Advise Clients on Road Trip Crashes
Wondering where to turn for legal advice after an out-of-state accident? The West Chester car accident lawyers at Eckell, Sparks, Levy, Auerbach, Monte, Sloane, Matthews & Auslander, P.C. can explain your options and protect your rights after one of these crashes. To learn more, submit our online form or call our Media or West Chester, Pennsylvania office at 610-565-3701. We serve clients in Delaware County, Chester County, and Montgomery County.