When a vehicle travels from one state to another, what happens to the limits of policy liability in a personal auto policy?

In a personal auto policy, the limits of liability coverage remain unchanged when a vehicle is driven from one state to another. This is an important feature of personal auto insurance, as it provides consistent coverage regardless of where the vehicle is being operated.

Most states have minimum liability requirements, and the personal auto policy includes coverage limits that are set by the insurance provider based on the policyholder's selected limits. When traveling, the driver is expected to adhere to the insurance limits established in the policy, and it is the responsibility of the insured to ensure they meet any state-specific insurance requirements.

While some states may have higher minimum liability limits, the policy does not automatically adjust to meet these state requirements, nor does it increase or decrease simply due to crossing state lines. Therefore, the driver's personal auto policy limits will remain consistent, irrespective of the geographical location.