The South Carolina Supreme Court recently in the case of Williams v. GEICO ruled that step-down provisions in auto insurance policies are contrary to the public well-being, and are therefore void.
Why does this matter for those of us here in Florida?
Because, as our Hollywood car accident lawyers know, South Carolina had been one of a handful of states - Florida included - that allows insurers to contain a clause in their policy that lowers limits to state minimums for permissive drivers.
When certain users are granted only the state minimum coverage, as opposed to the full policy limits to which they would normally be entitled, this is called a "step-down provision." Usually, these clauses indicate that for an insured person other than you (a relative, resident of your home, etc.), the insurer will only provide limits of up to the financial responsibility of the law in which the crash occurs.