Which accident is considered outside of the policy territory on a personal auto policy?

A personal auto policy generally covers incidents occurring within the United States, its territories, or Canada. Incidents outside this territory may not be covered, making it crucial to identify which options fall outside the defined policy area.

In the context of this question, a hit-and-run incident occurring in Mexico is considered outside the policy territory. Personal auto policies typically do not extend their coverage to countries beyond the U.S. and Canada, including Mexico. This lack of coverage is significant for policyholders to understand, as it highlights the need for different insurance solutions when driving in foreign countries.

On the other hand, incidents such as a collision in Nova Scotia, a theft in New York City, and vandalism in Puerto Rico, would generally fall under the coverage of a personal auto policy, as they occur in Canadian territory and within U.S. jurisdiction, respectively. Understanding these territorial limits is essential for making informed decisions about auto insurance coverage.