There are only a few situations where an out of state driver should be concerned about the coverage that their car insurance provides. Almost all car insurance policies extend coverage of a vehicle to all areas of the United States, Canada, and even in some cases a certain distance into Mexico. This out of state coverage is sufficient for drivers who are visiting a state, travelling, or will only be staying in an area for a few weeks. Some complications with out of state car insurance can occur if the driver is not simply visiting another state for a short amount of time. Individual states have different regulations that dictate the exact amount of time, but in general if a driver is going to be in a state for more than a certain period of time, then they are required to purchase in-state car insurance. This time period can be anywhere from 90 days to 6 months, after which the driver is technically in violation of the law if they do not purchase local insurance. There are a few exceptions to the rules for holding out of state car insurance. If the driver is a member of the military and they are stationed in another state, usually the out of state insurance policy will suffice. College students who are living in the same state as the college might also be exempt from purchasing local insurance depending on the rules of the state. In these instances, the specific details of the insurance policy should be examined to ensure that the policy itself will cover any damages that occur out of state after a certain period of time. Most of the regulations that each state enacts about purchasing local car insurance for out of state drivers is to prevent situations where residents of one state cross into a neighboring state to purchase less expensive insurance. This is why any driver who is staying in a state for a significant period of time will need to purchase in-state insurance. If an out of state driver is relying on out of state insurance for temporary coverage, however, it is vital that the insurance company have all available information up front about the vehicle, the state the driver will be in, and any other details so that the company cannot attempt to deny a later claim based on a lack of information.