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.

Non Owners Car Insurance Dallas Texas TX

Reader’s Question:

I have a question about non owners policy. If the driver has a non-owners insurance policy and was at fault in an accident, which insurance coverage is considered primary for third party damage or liability?

Dallas, TX

According to the Texas Insurance Commissioner’s information sheet on the pros and cons of this non-owners insurance states that named non-owner policy is always in excess of the liability coverage purchased by the owner of the vehicle being driven. Therefore if you got involved in an accident, the car owner’s liability insurance pays first, up to the limits of the car owner’s policy. The non-owner policy comes into picture only if the cost of property damage and/or injuries goes over the limits of the car owner’s liability policy.

This may vary in other States but generally in Dallas the owner of the car’s insurance is primary and the driver’s insurance, non-owners or other type of insurance policy, is secondary or excess regarding third party liability or damage.

DallasTexas Car Insurance For SR22

Reader’s Question:

Hello, from Dallas, TX. In my state, is there a specific option to fulfill an SR22?

Gene

Dallas, TX

Thanks for asking, Gene. That’s a good question. As you know, an SR22 in Texas is a document that is required as proof of insurance by way of a certificate filed under the Texas Department of Public Safety (DPS) for persons charged for a certain violation.

Generally, there are 2 options within the state of Texas to fulfill the SR22 requirement and get your license reinstated or avoid getting your driver’s license suspended. In either of the following cases, Texas State minimum liability insurance limits must be maintained and followed. First, you can insure your vehicle (either a scooter, motorcycle, car or truck) in a traditional manner, and accomplish the SR22 as an attachment to the policy. This can be accomplished with liability-only or full coverage, depending on the age and type of your automobile. The second option is to obtain a non-owner policy with the liability limits applied to you, and with coverage for vehicles that you drive but do not possess. This non-owner SR22 (or named operator SR22) can also be used if you own a vehicle and already have an existing coverage in place. This way you will not have to involve your existing insurance company, and you can still take care of your license problem. This case will also apply if you are not a resident of Texas, but have moving violations within the state from past incidents.