How State Laws Affect Your Claim
Different states have different:
• Minimum insurance requirements
• Fault determination rules
• Statute of limitations
• Damage cap laws
• No-fault vs. at-fault systems
The accident location's laws typically govern your claim.
• Minimum insurance requirements
• Fault determination rules
• Statute of limitations
• Damage cap laws
• No-fault vs. at-fault systems
The accident location's laws typically govern your claim.
Insurance Coverage Across State Lines
Your coverage should generally:
• Extend to rentals in other states
• Meet the other state's minimum requirements
• Apply the same limits and deductibles
However, verify with your insurer that your policy covers the state where you're renting.
• Extend to rentals in other states
• Meet the other state's minimum requirements
• Apply the same limits and deductibles
However, verify with your insurer that your policy covers the state where you're renting.
Handling Out-of-State Claims
For out-of-state accidents:
• Report to local police
• Document everything thoroughly
• Contact your insurance promptly
• Know which state's laws apply
• Consider hiring a lawyer in the accident state
• Be aware of jurisdictional issues
• Report to local police
• Document everything thoroughly
• Contact your insurance promptly
• Know which state's laws apply
• Consider hiring a lawyer in the accident state
• Be aware of jurisdictional issues