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.

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.

Dallas Texas Non Owners Insurance

Reader’s Question:

Will I be able to stay on my parents auto insurance policy in Dallas Texas if I move out of their house?

Michelle

Dallas, TX

While Dallas insurance providers’ guidelines vary, most will not continue to insure you under your parent’s car insurance policy if you move out of their house. There are some exceptions if it is a temporary move, like going to college or university.

Normally, if you move out on your own you would need to get an auto insurance policy to cover yourself and your car. If you do not own a car but want car insurance then you could look for a non-owner’s policy.

Your parents may contact with their Dallas TX insurance broker to verify the specific guidelines of their insurance carrier regarding covering you if you move out.