Dallas Auto Insurance
Reader’s Question:
What are the necessary coverages for a Dallas auto insurance ?
Tom
Dallas, TX
The state of Dallas requires liability coverage just like other states in the country. The minimum coverage for a liability in Dallas auto insurance is $20,000 for bodily injury to one person, $50,000 for all bodily injuries, and $25,000 for property damage. While getting a liability insurance is the only requirement under the law, it’s not enough. The liability coverage only protects you from paying for damages when you hit another person while driving or injure a person through a collision. This coverage will pay for the other person’s hospitalization and pay for damages to her car.
However, the liability coverage does not cover your injuries or damages to your car. Without another form of coverage, you are faced with the costs of your hospitalization and repairs to your car. In other words, liability insurance may be the only necessary coverage for a Dallas auto insurance but it’s not enough. You will also need a comprehensive coverage under your Dallas auto insurance to be able to feel safer and more at ease when driving. The comprehensive coverage will also protect you from other forms of damages that are not related to collision. This non-accident related damages could come in the form of theft, vandalism or hitting an animal on the road.
Car Insurance Texas
Reader’s Question:
If I purchase car insurance here in Texas, who can I include in the policy?
Jamie
Dallas, TX
Buying car insurance is one way of giving your family the security they need especially if you’re traveling. And having car insurance is a responsible way of protecting everyone in your family. With car insurance, you not only protect yourself but all the members of your family who are also drivers.
Remember that if you purchase car insurance, all those who can drive in your family will be included in the policy. After all, the insurance policy is directly connected to your car, so anyone who drives it with your permission will be covered. There are companies in Texas that offer car insurance policies that lets you list a number of drivers to be included in your policy.
You can put on that list everyone in your family who drives. Whether it’s your wife, your boyfriend or your roommate, they can be included in your policy provided that you inform your car insurance company about these inclusions. Just be sure you list even those who drive your car occasionally. To illustrate, if your roommate or boyfriend drives your car and they get into an accident, the car insurance company will pay for the damages provided that the driver of your car was listed on your policy.
Failing to do so might cause delay or even denial of your car insurance claims should that occasional driver get into an accident (while driving your car) without being listed as one of the drivers in your policy.
Discounts are also offered to those who have multiple cars or multiple drivers listed on their policy. But just to be sure, try getting free car insurance quotes online or call your local agent there in Texas.
Non Owners Car Insurance Dallas Texas TX
Reader’s Question:
If I am driving a Dallas Texas company car, do I still need car insurance?
John
Dallas TX
All automobiles on the road should have insurance by the car owner. Your company is responsible for ensuring that the company car that you will be driving has insurance.
In case of an accident, usually the insurance follows the automobile, so the car’s insurance is used as the primary ; your insurance will be used for secondary insurance if the damages exceed the limits of the automobile’s insurance. Typically if you do not own a car, you are not required to have your own auto insurance.
usually it is suggested that you carry a non-owners insurance policy so you will have coverage when you operate other people’s vehicles. This will provide you additional insurance in the event that the car owner’s policy limits are too low.
You need to contact your company’s insurance carrier in Dallas Texas to determine the specifics of the car insurance policy on the company car and how much coverage is provided for you when you operate the car.
Driving Without Insurance Dallas Texas
Reader’s Question:
What will be the legal penalties for driving without car insurance in Dallas Texas?
Josh
Dallas, TX
There are harsh legal penalties for driving without insurance in Dallas Texas. There is a a fine between $175 up to $350 for the first offense. Subsequent violations could result in fines of $350 up to $1,000, driver’s license and registration suspension and impoundment of your motor vehicle. Driving without insurance in Texas is a misdemeanor, and therefore a criminal violation, but it is considered less serious in nature compared to felony violations such as felony DWI or vehicular homicide.
In addition, if a person was at fault in a car accident and were found to be driving without insurance then the state of Texas do require them to pay for the injuries or damages they caused.
Gap Insurance Dallas Texas
Reader’s Question:
Does gap insurance lets you rent a car if you have been in an accident, but the vehicle is not totaled? I am from Dallas, TX
Richard
Dallas, TX
No, actually gap insurance does not rent you a vehicle whether your car has been declared a total loss or not. Gap insurance does not include reimbursement for a rental car.
If you have been in an accident in that is your own fault you would have to use your own physical damage coverages such as comprehensive or collision to cover the damages to the car in Texas. To cover the cost of a rental vehicle while your car is being repaired you would need coverages such as rental car reimbursement (RR).
If your vehicle was wrecked by another party and you have put a third party claim through the at-fault party’s insurance provider then you should check if they will reimburse you for the use of a rental car while your car is being fixed.
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