Review these 3 aspects of your auto insurance to take down the stress level on your drive:

1. Does your policy cover your co-pilot?

Insurance follows the car, not the driver. This means that most (but not all) policies will cover your family friend who plans to share the driving so you can relax and enjoy the scenery. But most policies exclude people who might drive your car frequently, including members of your household. You’ll need to list your spouse, kids and other roomies on your policy if you want them covered.

2. Will your roadside service get you where you need to go?

Most (but not all) policies pay for tow service in the event of an accident. But many have limits on how many miles they’ll tow you. So make sure your policy will pay to get your car where it needs to go if you’re miles from civilization. Some policies also have designated service areas for roadside service. When you leave town, you could be leaving your service area – and risking a less-than-pleasant tow bill.

3. How much car rental coverage do you have?

If you chose to add rental coverage when you purchased your policy, we have good news. Even if an accident wasn’t your fault, your insurance company will most likely pay for your car rental until a liability decision is made. So you won’t be stuck paying out-of-pocket until someone else’s company pays your claim. But you do have limits. Make sure you know how much your policy will pay per day and per accident.

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