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.
DWI Car Insurance Dallas Texas
Reader’s Question:
I was convicted with a DWI in Dallas, Texas. I have had full coverage on my car for five years and it was in effect the day of the conviction. Am I required to carry an sr22 in conjunction with my current car insurance policy, which I have never never lapse?
John
Dallas, TX
If you are charged of the DWI and had your license suspended by the state of Texas for this offense then the answer is yes an normally you would now be required to get and carry an SR-22 as part of your driver’s license reinstatement process.
The Texas Department of Public Safety (DPS) states that a conviction for driving while intoxicated (DWI) will typically results in a license suspension or revocation, which time period varies by court but may not exceed two years. A conviction of a DWI for someone under the age of 21 will result in an automatic suspension for a year per Texas Transportation Code 521.344.
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