What Does My Liability Insurance Policy in Austin Texas Cover?

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.

 

Adding Additional Drivers to My Auto Insurance Policy in Austin Texas

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.

 

Can I Remove Underinsured Motorist Coverage in Austin Texas?

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.