Posted: Sat Mar 01, 2008 2:36 am Post subject: Accident in another state
What if I have an accident in a different state other than where I'm licensed. Are the coverage limits on the state where I had the accident or where I am from? also, do I have to disclose this information? _________________ Register Now to have your Insurance queries solved.
On the underinsured motorist coverage...If you have to access your own policy what are you allowed to use your own underinsurance for? Medical? loss wages? pain and suffering? What exactly can it take care of?
Polices have "Out of State Coverage" sections. Basically they state that the policy will abide by local laws. So if the state you are in requires higher limits then you have, the policy will provide those higher limits. The policy will not offer lower limits then you have.
You only have to disclose liability limits if 1) you've been involved in an accident, 2) the injured party asks what the limits are and 3) the state requires this disclosure. I don't think this is why you were asking. You don't have to disclose limit information unless a judge asks _you_. In all other situations, you do not and your insurance company should handle any issues.
IMO if you are in an accident, you only have to share your insurance information, name and address with the other-party involved. Normally, you are not required to disclose your coverage limit to the other party under any circumstances. However, I'm not sure if TX has some different law regrading this, you better check out with the state dept. of insurance for complete information. _________________ Register Now to have your Insurance queries solved.
All policys must conform to the statutes of the states they are driven into (and wrecked) for instance you have a MO policy MO is pure comparative negl. you drive across the bridge into KS which is modified no fault PIP and have a wreck, your MO policy is now a KS no fault policy...
If you mean do you have to disclose that you have an out of state policy, who to? And yes, it would be in your best interest to let the ins carrier know, because there are many times when you would get the 'best' from both policys...I'm not sure what you mean by that for sure. Personally I wouldn't disclose my limits to anyone (except a very rare occurance when I knew it was a limits claim).... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
All policys must conform to the statutes of the states they are driven into
tcope said:
Quote:
Polices have "Out of State Coverage" sections. Basically they state that the policy will abide by local laws. So if the state you are in requires higher limits then you have, the policy will provide those higher limits. The policy will not offer lower limits then you have.
As normal, right on target. Look in your policy for the provision entitled "Conformity With State Statutes" and you'll confirm what you've read here.
