Reader’s Question:

They said that your car insurance rates will go down when you turn in the age of twenty five. What about if you are 21 years old, is there any insurance discounts that is offered? I live in Austin.

Brett

Austin TX

Insurance carrier’s discounts differ as well as their rating systems. In most states there are insurance providers where the car insurance rates for women go down at the age of twenty one and men at age of twenty five, but typically the major price difference is around 21 to 25 and like I said it depends on the car insurance providers rating system and other rating factors.

For most insurance providers in Austin Texas there is an insurance discount offered for three or more years of driving experience. If you are licensed at age 16-18 then this cheaper rating factor may fall under the period when you turn twenty one years of age.

Insurance carrier’s discounts differ so I suggest that you ask your insurance carrier when they lower their car insurance rates regarding age and driving experience.

Tags: auto insurance, Car insurance discounts, teen insurance, Young driver car insurance

Reader’s Question:

Last night, I was driving my friend’s car when I crash in the parked vehicle. Well there was no damage on my friend’s automobile but there was a damage to the parked car that I hit. I am just wondering if they can go after my car insurance carrier in Austin Texas and not on my friend’s insurance since it was my fault. Is that possible?

Bryan

Austin TX

Car insurance coverage usually follows the automobile first and the insurance of the driver, second, therefore the car insurance claim will normally go through your friend’s car insurance provider as the to be the primary. Your car insurance coverage will be secondary or will be excess if your friend’s auto insurance limits would not pay for the full damages to the other party’s automobile.

If you would like your car insurance in Austin Texas to be used you will need to speak about this with your friend’s automobile insurance carrier. The car insurance agent will be able to assist file the car insurance claim and answer any questions that you have regarding your specific situation.

Tags: auto insurance claims, car insurance

Reader’s Question:

I have full car insurance coverage on my vehicle in Austin Texas, but the vehicle was stolen in a different state from where my car is insured, is it covered?

Grey

Austin, TX

It will depend upon the terms of your car insurance policy and the details of why your vehicle was out of state to know if your vehicle that was stolen will be covered by your car insurance policy.

If you were visiting out of state and your vehicle was stolen then yes, this incident normally would be covered by your comprehensive coverage on your car. So you would make a an insurance claim with your insurance company and tell them of your trip out of state and that the car was stolen while away from your home state.

Another situation is that you are a college student and have your vehicle out of your home state in Austin Texas and it was stolen from the state in which you attend college. As long as your insurance carrier was aware of where you and your vehicle were located and accepted this then normally you would not have issues making your car insurance claim for your stolen car.

Whatever the situations are that surround your car being stolen contact your insurance carrier and see about making an insurance claim. Once you have been assigned an insurance claims adjuster then he or she should be able to provide you more information on if the car insurance claim will be accepted or be denied.

Tags: auto insurance, comprehensive insurance coverage, Student car insurance

Reader’s Question:

If you are involved in a auto accident and they the other driver’s insurance carrier on the police report. How will you find out if they are insured with an insurance company? I have insurance in Austin Texas.

Laarni

Austin, TX

In most states you will need to obtain this information from the law enforcement.

It is the responsibility of the law enforcement to include this information on the accident report. You should contact law enforcement , if there is no accident report, to file a report. If you have an accident report, you will need to contact the law enforcement officer authority that wrote up the accident report.

You may also contact your insurance carrier in Austin Texas and they can help you in this matter.

If you cannot locate the other driver’s party, then you will need to file the auto insurance claim under your auto insurance policy if you have coverage that will cover the auto insurance claim.

Tags: auto insurance claims, car insurance

Reader’s Question:

I live in Austin Texas and my sister lives in Dallas. is it possible to have my sister’s car in my insurance policy?

Jane

Austin, TX

You may ask your insurance agent in Austin if your current insurance provider will allow you to insure your sister’s car that is in Dallas. Insurance provider’s guidelines vary but normally an insurance carrier would not allow the out of town vehicle to be put on the car insurance policy since the vehicle is garaged in a different location and the your sister is not a household member of the your residence.

Typically insurance providers do not insure cars that is garaged at a different household or for more than one household on one car insurance policy. So to get a definitive answer about you wanting to place the your sister’s car on your insurance policy would need to ask your insurance agent if this is possible or shop around to check if another insurance company would allow this.

Tags: auto insurance

Reader’s Question:

How do I go about adding my 20 year old son to my auto insurance in Austin Texas?

Anderson

Austin, TX

Generally how to add your son to your car insurance policy with your insurance company than you would need to speak with your car insurance agent to get your twenty year old son added. If he lives with you and therefore is a licensed household member you should just need to provide some information on him and get him added on your car insurance policy as a motorist. If he does not live with you then it may be harder to insure you son since he has a different residence than you. Your car insurance agent in Austin Texas though can tell you more.

Tags: auto insurance, Car Insurance Company

Reader’s Question:

I have a liability auto insurance and if I lend my vehicle for a day to another licensed motorist, if an accident occurs, would the liability cover that driver? I live in Austin Texas.

Forbes

Austin, TX

Insurance carrier guidelines and policy terms can vary but generally your car insurance liability policy would normally cover another person operating your vehicle if you gave them permission to do so.

Insurance typically follows a vehicle primarily and the motorist secondary. This means that the car owner’s insurance is used first if a someone drives their vehicle and has an accident. If the damages sustained by those putting claims against your liability coverages go beyond your limits then the driver’s insurance would kick in next.

There may be some exclusions due to age, etc as part of an insurance policy so to be sure if your car’s liability insurance will cover you lending your vehicle out to your friend, check with your insurance company in Austin Texas.

Tags: auto insurance

Reader’s Question:

Someone else was driving my vehicle and she was not insured under my vehicle. The vehicle was hit and wrecked. My insurance policy took care of everything but after it was all over with, they added her to my insurance policy in Austin Texas, can they do that without my permission?

Dan

Austin, TX

It seems like your insurance provider in Austin Texas might have determined during the investigation of your hit and run claim that the person should have been a driver on your auto insurance policy. If the individual resides in your household or occasionally drives your car, some insurance providers might require the friend or relative to be added to your policy to cover any future claims.

If the driver does not drive your vehicle on a occasional basis you might be able to ask the insurance company to remove her from your insurance policy. To verify the specific reason your insurance provider added the person to your insurance policy, you will have to contact your insurance agent to check. If you are not satisfied with their reasoning you may contact your state’s insurance regulatory body to be certain that adding this individual as a driver to your policy, without your permission, is allowed according to state insurance laws.

Tags: auto insurance, auto insurance claims

Reader’s Question:

My husband drives a 2003 Dodge Ram truck and I have a 2002 Dodge Stratus in Austin Texas. We have liability on both cars. We also have uninsured motorist, property damage, and we have a $250 deductible. But the cost for these coverages seems high to us. We have considered removing uninsured motorist. Is this a good choice?

Jenny

Austin, TX

Always buy as much insurance as you can afford. Also if you try to buy too much insurance, you may have a hard time making your monthly payments. In addition to that, you do not want to buy too little insurance. Insurance is supposed to assist you from financial loss. So, you will need to balance the amount of coverage you need against the amount of insurance you can afford. On the other hand, “uninsured motorist” is a great coverage. It covers you, the insured members of your household and your passengers for bodily/personal injuries, damages or death caused by hit-and-run driver or an at-fault uninsured. If you are involved in an accident where the other motorist is at fault but has no insurance, your car insurance policy will cover your medical expenses, up to the limit on your policy. You may speak to your car insurance agent to determine what limits of insurance coverages that best meet your insurance needs.

Tags: advice, automobile, cheap auto insurance

Reader’s Question:

I’m 18 years old and will be staying with my friend for the summer to work in Austin Texas. I will be using their vehicle. If I get involved in an accident will my insurance company cover it?

Lex

Austin, TX

People are usually confused about who is covered under a standard car insurance policy. Typically, there are only one or two names listed in the name of the insured of a car insurance policy, however that doesn’t mean that those are the only individuals who are covered under the car insurance policy. Generally, car insurance coverage actually follows the car, not the driver. So if your vehicle is involved in an accident in Austin Texas, the vehicle typically receives the full coverage provided by the car insurance policy, regardless of who is operating it.

Your insurance provider may require that certain conditions be met in order for other motorists to be covered under insurance policy. For instance, anyone who drives your vehicle must typically be a licensed motorist. In addition to that, most insurance providers require that anyone driving your vehicle should have your permission. Since these conditions may differ, it is necessary to check your insurance policy carefully and make certain that you understand any conditions that might apply before you permit someone to drive your car.

Tags: car, car insurance