Revving up for a road trip

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Each year, millions hit the road to visit family for the holidays, reconnect with friends or just take a little time off.

Before loading up the trunk with luggage, however, experts say it’s important for drivers to check with insurance providers and credit card companies to know if they’re protected should a travel problem arise.

“Before leaving on a trip, drivers need to know what is covered and what is not,” says Richard Ward, director of the auto claim department with MetLife Auto & Home in Warwick, R.I.

At a minimum, drivers should know their auto insurance limits for collision (which covers loss or damage due to an accident), comprehensive (coverage in the event of theft or natural disaster) and liability (which covers injuries caused to another person or property).

Drivers should also know the extent of their coverage in certain situations, such as when they rent a car or lend their keys to someone else. Here are six questions experts say every driver should ask before going on a road trip.