Does my US auto insurance cover me in Europe?

Can I drive my USA car in Europe?

As long as the vehicle is legal in the US – taxes paid, safety inspections, and insurance – you will have no problem. Insurance is the only extra you need to discuss with your insurance company – make sure you list all the countries you will be visiting and your agent will explain what you need and what is the cost.

Do I need an IDP?

IDP needed for stays longer than 30 days. IDP needed for car hire, and for stays longer than 90 days. You do not need an IDP if you hold a UK, Gibraltar, Guernsey, Jersey or Isle of Man photocard licence. If you have a paper driving licence, you'll need to update it to a photocard licence or get an IDP .

Does my insurance cover me when I'm out of the country?

Insurance coverage when traveling abroad

We recommend that you buy travel health insurance before your trip. U.S. Medicare and Medicaid do not pay for medical care outside the United States. Check with your U.S. health insurance provider and ask if they cover emergency and routine medical care while abroad.

What happens if you get in a car accident in a foreign country?

What Should You Do After an Injury Abroad? Seek Immediate Medical Attention: Your health comes first. Document Everything: Take photos, gather witness information, and keep copies of all medical reports. Avoid Signing Documents You Don't Understand: You may be asked to waive rights without knowing it.

Does my car insurance work internationally?

Your U.S. policy likely only covers you in the U.S. and Canada, so you'll need a separate policy when driving in all other countries. Whether you plan to drive across a border or rent or purchase a car overseas, you have plenty of options for getting the international auto insurance coverage each country requires.

Can you get temporary European car insurance?

Temporary European/EU car insurance is a short-term insurance policy that allows you to drive in Europe for up to 28 days. It's the perfect solution for trips across the Channel if you don't have an annual policy or your existing policy doesn't suit your holiday plans.

What countries does my car insurance cover?

If you're planning to travel abroad within the EU and bring your car with you, you can rest assured that you're covered. Our Car Insurance covers you to drive in the following countries: Republic of Ireland, Northern Ireland, Great Britain, Isle of Man and the Channel Islands.

Do you have to tell insurance about going abroad?

If you don't tell your insurer about your plans and check cover is in place and do have an accident while abroad, you may find yourself paying for the extra costs that would not have been insured had the accident happened in this country, provided the insurer agrees to deal with the claim at all.

Do I need extra car insurance for Europe?

You'll need at least third-party car insurance to drive your car in Europe, but you won't need to take out specialist cover unless you'll be using your car for things like racing or touring.

Does US insurance work in other countries?

Generally, U.S. health insurance benefits will not cover you while outside of the U.S. Your domestic U.S. health insurance plans will cover you in a specific region within the USA. Sometimes they will offer limited coverage outside of the USA, but that is rarely the case.

How to drive in Europe as an American?

If you plan to drive in another country, you'll likely need a valid driver's license and insurance. Some countries accept a U.S. driver's license. In many others, you must have an International Driving Permit (IDP).

What to do if you have a car accident abroad?

If possible:

1. make notes about what happened.
2. get photographs of the accident - including pictures of the number plates of the other vehicles involved and their positions.
3. exchange insurance details.
4. take the names and addresses of as many witnesses as possible.
5. don't admit liability or apologise.

Is my car covered abroad?

The easiest way to see if your car insurance covers you for driving abroad is to check your policy documents or contact your insurance provider directly. All UK-based car insurance policies offer third-party cover to drive in the EU, including Ireland. However, the same might not apply when driving in other countries.

Which country is No. 1 road accident?

United States Car Accidents

• Reports one of the highest numbers of car accidents globally.
• Major causes include distracted driving, speeding, and drunk driving.

Can you get insurance while abroad?

Travel Insurance Whilst Already Abroad

These things happen, and it's not too late to put the right cover in place. It's So Easy Travel Cover provides comprehensive insurance, ensuring you can continue your journey with confidence.

How much does international travel insurance cost?

While travel insurance costs vary, the average is somewhere between 4-12% of your total trip cost*.

What kind of insurance do I need to travel abroad?

There are different types of insurance you should consider: (1) trip cancellation or travel disruption insurance, (2) travel health insurance, and (3) medical evacuation insurance. These will cover different situations and may give you financial peace of mind, as well as allow for safe and healthy travel.

Do I need an IDP to drive in Germany?

You generally don't need an International Driving Permit (IDP) for short tourist visits in Germany if you have a valid license from your home country (especially EU/EEA, US, Canada, Aus), but it's highly recommended to carry one (or an official translation) for clarity and to avoid issues with police, as it supplements your license; if you become a resident (over 6 months), you'll need to convert to a German license. An IDP acts as a translation, so you must carry your original license with it. 

Can you drive in France without an IDP?

US visitors who plan on driving in France will most likely need an international driving permit, or IDP, which is required in France. To obtain one, you'll need a copy of your US driver's license, two passport photos and a completed application.

What do you need to drive in Germany?

Visitors must be aged 18 or over and hold a full, valid driving licence to legally drive in Germany. Riders of mopeds or motorcycles up to 125cc must be aged 16 or over. Driving licences issued in the UK, the EU and EEA countries are accepted. International driving permits are recognised, but not required.