Filing an Auto Insurance Claim in Austin Texas

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.

 

My Car Was Stolen While Out of State Is It Covered On My 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

 

What Do You Do If You Have a Car Accident in Austin Texas

Reader’s Question:

If you are involved in a auto accident and they write 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.