Trip Interruption Coverage on the Personal Auto Policy

July 12, 2017

It?s the weekend, and you?re heading to Florida with the family.  Your car engine seizes up halfway through your trip.  The repair shop is not open until Monday morning.  Now you might be faced with the cost of a night or two at a hotel along with meals you did not account for.  Did you know that trip interruption coverage on a personal auto policy pays for those extra costs?

Trip interruption coverage pays for the unplanned extra expenses you experience when you?re away from home and your car breaks down.  Extra expenses include unplanned meals and lodging due to the vehicle?s break down.

The only requirements are:

  • The breakdown must be mechanical or electrical on your covered auto,
  • You must be more than 100 miles from home, and
  • Your covered auto is out of service for more than 24 hours.

This coverage has no deductible, but it is limited to $600.  Also, coverage only applies to the period of time that is reasonable to resume your trip or return home.  This benefit is excess over and will apply after other vehicle warranties or auto clubs that you may have to pay for similar situations.

This coverage is only found on Goodville Mutual?s Personal Auto Plus endorsement.  The endorsement also includes additional coverage for towing and labor costs up to $100.  This coverage may also prove useful in the event of a break down away from home.

Ask your local Goodville agent about trip interruption coverage and the other benefits of the Personal Auto Plus endorsement, which include:

  • First Accident forgiveness,
  • Transportation expenses,
  • Parked car collision deductible, and
  • Damage to your car caused by an uninsured driver.

This blog entry is created for informational purposes only and does not provide coverage.  Any viewpoint or sponsorship of outside parties involved in the blog entry does not necessarily represent Goodville's stance as a company.  The blog should not be used as a substitute for professional advice.  Please refer to your policy for actual contracted coverages.