Adventures in far flung destinations including Europe can be full of excitement, beauty, history and culture, transporting travelers blissfully away from their daily routines. However, there are times on such journeys when the unexpected happens, and the impact of injury or accident can be much more substantial than if the same incident had occurred stateside. Travel insurance for Europe is available to travelers who will be visiting the EU zone and might need special care from European doctors or healthcare providers during their visit. Specifically, this type of coverage can help alleviate the danger of incurring massive financial harm due to unpredictable events while traveling in countries like France or Germany where health-care systems are often very similar due to EU-organized regulations. This is something everyone venturing to Europe should investigate prior to their voyage. European travel insurance plans are specifically designed to cover countries like France, Spain, Germany, and Greece. Since health care plans and systems are unique to regions and continents, a European travel insurance package will cover very different things than one for, say, South America.Some travelers may be surprised to learn that the personal insurance coverage they enjoy at home may be inadequate protection while they are away in Europe. For example, travelers who engage in certain types of hazardous recreation such as scuba diving and mountain climbing may learn the hard way that their coverage has been negated by such activity when done in foreign lands. It is also important to note that even when traveling within a country with a nationalized system of healthcare — especially in the Euro Zone — a traveler may be wholly ineligible for free or low cost medical treatment in the case of accidental injury, which is often provided only to citizens. The European Union has done a very good job of organizing special travel insurance systems so that travelers can feel safe within their borders. This is much like the opposite arrangement where a traveler from Europe might come to the United States of America. Regardless of what state that individual mind find himself or herself, then he or she can still get great coverage. Likewise for you, it’s important that regardless of what European “state” you find yourself in that you can rely on quality coverage.In some of the European areas outside the EU zone, for example, foreign medical practitioners and facilities may be utterly unwilling to negotiate with a traveler’s domestic insurance carrier for payment of expenses incurred due to accidents abroad. In such cases, upfront payment may be demanded prior to service. In the event appropriate treatment is unavailable in a particular location and medical evacuation is required, a tourist’s conventional domestic insurance policy may not cover the cost, which can be significant. Because of these reasons and more, travel insurance Europe is a worthwhile subject of inquiry for all seeking to venture abroad. This is important to keep in mind if your European travel plans might lead you outside the EU zone into countries like Switzerland or Norway where EU coverage may or may not apply.Aimed at offering financial compensation for unanticipated expenses attendant to overseas travel, European travel insurance is obtainable in a wide array of types and levels, depending on the type of journey intended by the insured. Trip duration, itinerary items, and destination region all are factors in determining the type of coverage that will be made available for purchase. Often, policies covering shorter trips may be selected concurrently with the travel reservations. However, a more expansive policy of longer term may be advisable, and such coverage can also be found. Large insurance companies, cruise lines, travel directors are all viable conduits for purchasing this type of product. European travel plans are much more common as a package these days, especially since many Americans and Canadians travel to the EU region during periods like Spring Break and summer holidays.Travel insurance for Europe is also often typically categorized by the sort of tourist to be covered. Like the EuRail pass system, European travel insurance can sometimes organized by euro-regions and country packages. For example, you might be planning only to visit Mediterranean countries like Italy, Spain, and Portugal, but not northern Euro countries like Holland and England. These customized European packages are a great way to save money! Adventurists, students, business travelers and vacationers all have different insurance needs, and policies are available that reflect that fact. Travel insurance often addresses expenses relating to emergency medical circumstances, dental services, accidental death or injury benefits, and where necessary, funeral costs when death occurs abroad. Exclusions common to this type of policy might include preexisting health issues and any injury or death occurring as a result of drug or alcohol usage.Please keep in mind that European travel packages are very different from generalized worldwide travel insurance combo packages where multitudes of countries and regions are included at a discounted or “bulk rate.” In many cases, you are far more likely to get higher quality coverage from the European bundle packages because they provide specific coverage measures for the Euro-zone.
During the summer months, construction zones can make traveling by car a hassle. Not only do construction zones increase your travel time as you have to slow down to pass through them, but it can also create traffic jams in typically un-congested areas.Despite how inconvenient it may be, traffic construction is necessary to keep the motorways in adequate condition. Although it may be frustrating to travel through construction zones, it is important to follow the traffic laws as it protects other motorists and the construction workers as well.Distracted Driving LawsDistracted driving laws vary from state to state, and when traveling through multiple states, it’s important to know and understand the laws in the surrounding states.One of the biggest distracted driving culprits is cell phone use. In many states, cell phone use is illegal when driving. Even if a state may not prohibit cell phone use in normal areas, construction zones usually have additional restrictions on phone usage to reduce the likelihood of distracted driving.Construction Zone TicketsThere are multiple types of tickets that you can receive in construction zones, and the most common ticket is a speeding ticket. With the reduction of speed limits for extended lengths of the road – and some areas that are poorly marked – it becomes difficult for you to know where a construction zone begins or ends.There are two main types of speed limit reductions in construction zones. The first is an actual, photo-enforced speed limit, work zone reduction. This is a newer development that has made its way into the work zones as states have updated their laws to use speed cameras and radar guns to catch speeding motorists. This speed reduction is enforced throughout the entirety of the area, even if workers are not present.The second type of speed limit reduction is a stated limit that applies only when workers are present. There are usually flashing lights or indicators on the speed limit signs that indicate when workers are present, which helps drivers know when to abide by the speed limit. These limits could also be photo enforced, but it is more common that a police officer is there to ensure that motorists follow the speed limit.Handling a TicketIf you have received a ticket in a working area, you will be subjected to a higher fine and steeper punishment. You will also most likely have to appear in court and could receive a large penalty for endangering motorists and workers.Dealing with these types of ticket can be very difficult, and it is best to find someone who regularly handles these situations. Find a lawyer who knows and understands the specific traffic laws for your area, and let them work on your behalf.