What happens if you drive into a state with higher minimum liability limits?

When driving into a state with higher minimum liability limits, your policy automatically matches those limits to ensure compliance with that state's laws. This automatic adjustment occurs because insurance policies are generally designed to meet or exceed the legal requirements wherever the insured vehicle is being driven. This is an important aspect of liability insurance, as it protects both the driver and any individuals involved in an accident by ensuring that the insurance coverage is adequate to meet state regulations.

In contrast, driving into a state with lower liability limits would not automatically reduce your coverage; generally, your original higher limits would remain in effect. Maintaining adequate coverage is crucial for avoiding legal penalties and ensuring that you are fully protected in case of an incident, hence the automatic adaptation to higher state minimums.