What to Know About Driving in Other States

Traveling to another state by car can be an exciting adventure, whether for a vacation, business trip, or visit with family. However, driving out of state means you’ll be subject to different laws, regulations, and insurance policies that vary from those in your home state. 

While many traffic laws are universal, minor details can change once you cross into a different state border. Knowing these differences can help keep you out of hot water—and out of a ticket.

One of the biggest differences in out-of-state driving laws can be how car accidents are handled, and as an out-of-towner, this can be especially complicated for you legally. If you are involved in an out-of-state car accident, Morgan & Morgan can help.

As the largest personal injury law firm in America with offices in every state across the country, our experienced lawyers understand the complexities of local traffic laws—no matter where your accident occurred. 

Hiring one of our lawyers for help is easy, and you can get started in minutes with a free case evaluation.

Driver’s License Validity Across States

The good news is that your driver’s license is valid in all 50 states. The Driver’s License Compact (DLC) ensures states recognize each other’s licenses, so you won’t need a new license to drive in another state. However, temporary residents, such as students or individuals on extended work assignments, may be required to obtain a local license after a certain period. Always check state-specific residency rules if you plan on staying long-term.

Traffic Laws Vary by State

While basic rules of the road remain consistent, such as speed limits and traffic signals, some states have unique traffic laws you might not be aware of. Here are some examples:

• Speed Limits: Maximum speed limits vary widely between states, with some rural highways in Texas allowing speeds up to 85 mph, while others, like Hawaii, cap at 60 mph.
• Right on Red: Most states permit right turns on red after a full stop unless otherwise posted, but in New York City, it’s prohibited unless explicitly stated.
• Seat Belt Laws: While most states mandate seat belt use, the type of enforcement (primary vs. secondary) can differ. Primary enforcement allows officers to issue a ticket solely for not wearing a seatbelt, while secondary enforcement requires another violation to occur first.
• Cell Phone Use: Many states ban handheld phone use or texting while driving, but enforcement and penalties vary significantly.

Researching the specific traffic laws of the state you’re visiting can help you avoid costly fines and ensure safe driving practices.

At-Fault vs. No-Fault States

One of the most critical distinctions between states when it comes to car accidents is whether they follow an at-fault or no-fault system. Understanding this distinction can affect how claims are filed and resolved if you’re involved in an accident.

At-Fault States

In at-fault states, the driver who caused the accident (the at-fault driver) is responsible for covering the damages. If you’re in an accident, the injured party can file a claim with:

1. Their own insurance company.
2. The at-fault driver’s insurance company.
3. A lawsuit against the at-fault driver.

States that follow the at-fault system include Texas, California, and Florida.

No-Fault States

In no-fault states, drivers must rely on their own insurance (specifically, their Personal Injury Protection, or PIP, coverage) to pay for medical expenses and lost wages, regardless of who caused the accident. This system aims to reduce litigation and streamline claims but can limit the ability to sue unless injuries meet a certain threshold of severity.

No-fault states include New York, Michigan, and Florida. However, Florida’s system recently underwent legislative changes, so keeping up-to-date on state-specific reforms is essential.

Key Differences

• Claim Filing: In at-fault states, you file with the at-fault driver’s insurer. In no-fault states, you file with your own insurer.
• Legal Action: No-fault states restrict lawsuits unless injuries are severe, whereas at-fault states allow lawsuits for any damages exceeding insurance coverage limits.
• Insurance Premiums: Premiums in no-fault states tend to be higher due to the mandatory PIP coverage.

Out-of-State Insurance Coverage

Most auto insurance policies provide coverage across all U.S. states. However, some provisions and coverage limits may vary depending on where an accident occurs.

Adjusting to State Minimums

If your policy’s liability limits are lower than the minimum required in the state where the accident occurs, most insurers will automatically adjust your coverage to meet the local requirements. For instance, if you’re driving in a state with higher minimum liability limits than your home state, your insurer will typically raise your limits temporarily for that trip.

Uninsured and Underinsured Motorist Coverage

This coverage becomes critical when traveling, especially in states with high rates of uninsured drivers. If you’re hit by an uninsured driver, your own policy’s uninsured motorist coverage can help cover the costs.

Driving Laws for Rental Cars

When renting a car out of state, the rules and responsibilities differ slightly:

• Insurance Coverage: Most rental companies offer supplemental insurance, but your personal auto policy may already extend coverage to rental vehicles. Check with your provider before purchasing extra insurance.
• Traffic Violations: Any tickets or fines incurred in a rental car are your responsibility. Additionally, some rental companies may charge an administrative fee for handling violations.
• Cross-State Rentals: Inform the rental company if you plan to drive across state lines, as some contracts restrict interstate travel.

Steps to Take After an Accident in Another State

Being involved in an accident far from home can be stressful. If an accident happens, prioritize your health and safety first. Check for injuries and move vehicles to a safe location, if possible.

Next, call 911. Reporting the accident ensures proper documentation and medical attention if needed.

Collect the other driver’s name, contact details, insurance information, and license plate number. Take photos of the accident, damage, and surrounding area to support your side of the story.

Then, notify your insurer as soon as possible. They’ll guide you on filing a claim and connecting with local adjusters.

Familiarize yourself with the accident-reporting requirements of the state you’re in. Some states mandate reporting to the DMV for accidents causing specific damage thresholds.

Finally, contact Morgan & Morgan. An experienced car accident attorney can help you file a personal injury claim and fight for the maximum compensation you need to move forward with your life. With offices in every state, we have lawyers who can understand the local laws of your accident—even if you don’t.

State-Specific Driving Hazards

Each state has unique driving conditions and hazards to consider:

• Mountainous Terrain: States like Colorado and West Virginia have steep grades and winding roads, requiring extra caution.
• Snow and Ice: Northern states, such as Minnesota and Vermont, experience severe winter conditions that demand winter tires or chains.
• Hurricane Zones: Coastal states like Florida and Louisiana face hurricane-related hazards, such as flooding and debris.
• Open Roads: Rural states like Montana have long stretches of open roads with fewer services, so always keep your gas tank full and carry emergency supplies.

What Happens to Traffic Violations Committed Out of State?

Getting a traffic ticket in another state doesn’t mean you can ignore it. Through the Driver License Compact (DLC) and the Non-Resident Violator Compact (NRVC), most states share information about traffic violations. Here’s what you need to know:

• Points Transfer: Some states add points to your driving record for out-of-state violations, while others may not.
• License Suspension: Failing to address an out-of-state ticket could lead to license suspension in your home state.
• Insurance Impact: Out-of-state violations can affect your insurance premiums if reported to your home state’s DMV.

Tips for Safe Out-of-State Driving

• Plan Your Route: Use GPS but familiarize yourself with major roads and rest stops in advance.
• Carry Important Documents: Have your driver’s license, insurance card, and vehicle registration readily available.
• Check Your Insurance Policy: Ensure your coverage is adequate for out-of-state travel.
• Vehicle Maintenance: Inspect your car before long trips to prevent breakdowns.
• Obey Local Laws: Familiarize yourself with the unique driving rules of the states you’ll pass through.

Legal Representation for Out-of-State Accidents

Navigating legal and insurance issues after an out-of-state accident can be complex. Working with a law firm experienced in multi-state cases, like Morgan & Morgan, ensures you have knowledgeable representation to handle jurisdictional challenges and maximize your claim.

Driving in another state can be a seamless experience if you’re well-prepared. From understanding at-fault vs. no-fault systems to knowing how your insurance adjusts to local requirements, being informed empowers you to handle any situation confidently. 

Should you find yourself in legal trouble or an accident while driving out of state, Morgan & Morgan’s experienced attorneys are here to help. Contact us for a free case evaluation to ensure your rights are protected no matter where the road takes you.