For those who are licensed foreign drivers, it is possible to drive in the United States when you visit. To do this, you need to have proper auto insurance in place. U.S. laws require drivers to carry at least liability insurance. This coverage protects other drivers you may cause damage to while operating a vehicle. There are a few things you should know about driving in the U.S. as a foreign driver.
Who Needs Coverage?
Any time you use a vehicle, it should have car insurance. Auto insurance follows the vehicle. An insured car, then, can benefit a foreign driver in most cases. However, there are a few things you should know.
You should have a valid driver’s license issued by a recognized government agency. You may need to prove your identity as well.
You need to verify the vehicle you drive has auto insurance before you travel.
If you plan to drive even for a short period, you should have this in place. Keep in mind that an international driving permit is not the same as a driver’s license in the United States. Some states will require you to carry your license from your home country with you.
How Can You Get Auto Insurance, Then?
There are several options for getting auto insurance for the vehicle you plan to drive. In every situation, you need to be sure to have this policy in place before you drive.
Renting a Car?
If you are renting a vehicle, the rental car company may offer some coverage. If you do not plan to remain in the country long, this tends to be the easiest option for obtaining car insurance. The insurance covers the vehicle you rent from the company. However, you might need to purchase additional supplementary coverage.
Borrowing a Friend’s Vehicle?
If you are staying with someone and using their vehicle, their auto insurance may cover you as well. You must be a licensed driver, though. If you cannot prove you have a valid license, the insurance policy on the vehicle may not cover you.
Staying Long Term?
If you plan to stay a few months or longer, it is best to obtain a car insurance policy for the vehicle you plan to drive. This is especially important if you plan to purchase a vehicle.
The right auto insurance coverage is critical. Do not overlook having this coverage. Without it, you may be responsible for significant losses. You may also face fines and jail time in some situations. Purchase quality insurance instead.