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