By David Mittleman

No one likes to think about the possibility of being responsible for an injury to a family member. Unfortunately, that scenario is all too common. A moment of carelessness or a brief lapse in judgment is all it takes. In the aftermath, you would hope that the auto insurance you paid premiums for would provide the same coverage to a family member as it would to a stranger. If your policy contains a step-down provision, that may not be the case.

Step-down provisions apply to liability coverage in auto insurance claims. For example, if …read more