Personal Auto PolicyPregunta 392 de 474
An insured drives into another state whose law requires higher liability limits than the policy carries. The out-of-state coverage provision:
a.Keeps the lower limit, since the declarations control the limit
b.Suspends liability coverage until the insured returns home
c.Requires the insured to buy a separate policy for that trip
d.Raises the policy to the higher limit that the other law requires
Explicación
The out-of-state provision interprets the policy to provide at least the minimum amounts and types of coverage the other jurisdiction demands of a nonresident, so the insured is not left short while travelling. It is an automatic adjustment written into Part A, which is why no separate trip policy is needed. It does not pay twice for the same damages, and coverage is not suspended at the border.
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