Thalia S. v. Progressive Select Insurance Co.
Although plaintiffs’ Florida auto insurance policy does not provide bodily injury coverage for accidents occurring in Florida, its out-of-state provision says coverage will be provided, “If an accident to which this Part I applies occurs in any state other than the one in which a covered vehicle is principally garaged, and the state … has … a compulsory insurance or similar law requiring a nonresident to maintain insurance whenever the nonresident uses a vehicle in that state….” Contrary to plaintiffs’ argument, S.C. Code Ann. § 56-9-351 is not a “compulsory insurance or similar law” within the meaning of their policy’s out-of-state coverage provision.
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