Liability Auto Insurance Texas
Reader’s Question:
I have an 11 yr old child and I’m wondering if I have to include him in my policy as a liability. Can you tell me the requirements for liability insurance in Texas?
Allain
Houston Texas
Requirement for full coverage insurance will vary depending on what state you are from. Let’s say you’re in Texas, the state requires you to have liability insurance. In some cases if your vehicle is not fully paid, you will be required to have collision and comprehensive coverage. In this case you will be covered for damages and injuries, other damages that is included in your policy will be covered as well. In the state of Texas, minimum coverage amount increased to $25,000 to injuries incurred to a person and damage to properties so that will be a total of $50,000 per accident, before it was only $20,000 for injuries incurred to a person, $15,000 for damage to properties and $40,000 per accident.
The coverage amount may not be enough especially if you will be help responsible for an accident. You may want to think about getting more that the minimum limit. Always remember that you will be given an insurance card or proof of insurance when you buy an auto policy. You will need this card or proof of insurance once you get into an accident, register your car or just renew the car registration, getting a new driver’s license, getting your car inspected or if asked by a police officer.
Every state has its own penalties if you violated the state’s financial responsibility law. If it’s your first conviction the fine could be from $175 to $350. After the first conviction and you will be cited again the fine will increase from $350 to $1000. This could also result to suspension of driver’s license or impoundment of your vehicle.
Everybody in your household should be included in your policy. You can check with your insurance company their definition of a household member or who is required to be included in your policy
Auto Insurance For Used Car in Idaho
Reader’s Question:
Will I get a more affordable auto insurance on a used car? I’m planning to get one here in Idaho.
Vince
Idaho Falls, ID
Yes, it would be more likely for someone who owns pre-owned vehicles to pay for much lower auto insurance rates as compared to someone insuring a top-of-the-line and fairly expensive vehicle. A car’s actual cash value or it’s value in the market plays a significant role in your ability to acquire affordable auto insurance quotes. Used car’s already have a depreciated value so you would no longer feel the need to pay for large amounts of collision and comprehensive insurance coverage there in Idaho.
In fact, depending on how old the vehicle is, and counting in wear and tear as well as pre-existing damages, it would make much more sense to drop collision and comprehensive insurance altogether (especially if the vehicle is less than a thousand dollars) since you won’t get much and you will have to shoulder a deductible which could be half the price of your vehicle already.
You are still, however, required by the financial responsibility laws of your state to carry adequate liability insurance in case you injure someone or destroy property in a car accident. For Idaho you need to get at least $20,000 liability for each injured person, $50,000 for all injured per accident and $15,000 to pay for property damages (the 20/50/15 rule) But the lack of comprehensive and collision coverage would already make for a cheap auto insurance coverage. Don’t forget to shop around, auto insurance websites like this one can help you get the lowest auto insurance rates in your area.
Auto Insurance in Maine
Reader’s Question:
My old college buddies agreed that we experience different outdoor adventures once in every (academic) quarter. One of them suggested that I should get a comprehensive coverage for Auto Insurance in Maine because he almost hit a moose in the outskirts last year. Can you tell me more about this coverage?
Garrett
Portland, Maine
Certainly Garrett,
First of all, there are three basic coverage for an Auto Insurance in Maine. Namely: the bodily injury liability insurance, the property damage liability insurance and the uninsured motorists’ coverage. The said coverages are mandatory and are a prerequisite to registering your vehicle in Maine.
The comprehensive and collision coverage are available as an option on policies issued or on voluntary policies issued by some companies who offer Auto Insurance in Maine. This is very important for drivers who have a vehicle loan or lease that would require physical damage coverage. Collision coverage pays for physical damage to your car if it collides with an object such as a tree or another car. Comprehensive coverage on the other hand, takes care for damage to your auto from almost all other causes, including fire, disasters, floods, severe weather conditions, that includes storms, hurricanes and windstorm. Also for vandalism, theft, broken glass, windshield damage and “Acts of God” – like a tree falling on your car.
You mentioned that your friend almost hit a moose last year; so it would be a good decision to purchase a comprehensive coverage because it also covers collision with an animal. A comprehensive coverage is less expensive than collision. But getting both coverage from an Auto Insurance in Maine would be very beneficial for your outdoor adventures.
The Best Car Insurance for Rented Cars?
Reader’s Question:
What is the best car insurance coverage to obtain when renting a car in the State of New York?
Dustin
Manhattan, NY
When renting a car in New York, it would be financially sound to review all your alternatives first, so as to make an informed decision and consequently acquire the best car insurance possible. If you have existing car insurance, then it is important to review your policy. Confirm the limits of your coverage. Most car insurance extends coverage to cars that you will rent. If you are renting because your own car is under repair following a covered traffic mishap, then you should check if you have Rental Car Reimbursement since this will cover rental fees. If you are renting but currently have the SR22 non-owners insurance, then you may not need to get all that supplemental coverage offered by the rental car company. You should also talk with your credit card company’s customer service representative about secondary coverage their card may offer if used to pay for the rental fee.
When renting a car, you may find the Loss Damage Waiver (LDW) valuable especially if you do not have the collision and comprehensive insurance in your car insurance policy. This agreement will save you from having to pay for the rented vehicles’ damages while under your care. And in cases where the rented vehicle was fixed thus was not rented out for the duration of the repair, then the LDW kicks in to pay for the loss of use of the car.
If you do not have either the non-owners SR22 or your own car insurance policy, then getting the additional liability insurance from the rental company may prove to be worth it if ever you get into an accident and were found to be liable.
Cheap New Driver Car Insurance in Delaware
Reader’s Question:
I’ve just gotten my driver’s license and I’m quite excited to drive. Can I get a cheap new driver car insurance in Delaware? I heard that if you’re over 25, you’re likely to get a good rate. Is this true?
Anele
Wilmington DE
First, congratulations for passing the driver’s test and getting your license. I hope you’ll prove to be a responsible driver. Anyway, being new to driving may not be possible for you to get a cheap new driver car insurance. This is because you still have to prove yourself in terms of following traffic rules and being careful on the road. Cheap rates usually come with having a good driving record and having spent some time driving. What you can do right now is to focus on improving your driving skills so that you will not get into accidents. You should also become familiar with the different traffic rules and regulations. Most importantly, treat driving responsibly and not as a means to show off to your friends or to your date. If within the next two to three years you are able to avoid serious driving mishaps, you can be assured of a cheap new driver car insurance during your renewal.
With regards to your age, you may have read somewhere or may have heard from someone that over 25 year-old individuals get better rates. In a way, you are right. This is because older people do not tend to get involved in fatal accidents. However, the fact that you have just gotten your license can stand in the way of getting a cheap new driver car insurance.
Before you get discouraged though, there is just one possible way for you to get a more affordable rate in Delaware. How? Prior to getting quotes from insurance companies, enroll yourself in a defensive driving course. This will tell insurance companies that you are taking driving seriously. Also, it might be a good idea to limit your coverage to your state’s minimum liability insurance. This way, you’ll be paying about $50 per month. If you can buy your coverage from the same company where your parents buy theirs, it’s possible for you to get a discount.
Auto Insurance Question: What Is An FS-1 Form
Reader’s Question:
Can you please tell me what an FS-1 document is in North Carolina?
Henry
Durham, NC
The FS-1 is a document used in the state of North Carolina. The North Carolina Department of Transportation states that when titling / registering your automobile in North Carolina you must show proof of auto insurance.
The required minimum liability insurance for a private passenger vehicle are:
- $30,000 for bodily injury for one person up to $60,000 bodily injury for two or more people per accident and
- $25,000 property damage.
The state of North Carolina law requires each car insurance company to inform the Department of Motor of Motor Vehicle when coverage has been cancelled, terminated or lapsed.
To show proof of insurance coverage to the DMV you can contact your car insurance agent to get the FS-1 form.
Cheap Car Insurance Policy in California
Reader’s Question:
Will a California driver’s license be accepted in Mexico? Will my car insurance policy take effect in that country, as well?
Nancy
San Francisco, CA
Any full valid United States driver’s license, including the one issued in California, will be honored in Mexico. But with regards to your car insurance policy, you will need to purchase a new one since your existing coverage will not take effect in that country.
You can obtain this Mexico car insurance coverage from legitimate car insurance companies in California. You can also acquire Mexico car insurance at its border cities. It is important to note that the amount of coverage to obtain in this country should be equivalent to the current car insurance policy you have in California. You may also elect to add higher limits on liability insurance just to be on the safe side.
If you will be renting cars, it is wise to obtain a Loss Damage Waiver (LDW), so as to relieve you of any responsibility in paying for the damages sustained by the rented car while in your custody. Always remember that traffic accidents in this country usually entail jailing the individuals involved until the one at fault is determined. Likewise, any individual will be detained until the capacity to pay for any damages caused is ascertained. Any person found liable for any ruined property and/or serious bodily injuries may face criminal charges from the Mexican government.
Tags: auto insurance coverage, auto insurance policy, Car Insurance Company, rental car insurance
Cheap Car Insurance Arizona
Reader’s Question:
I’m in school right now and am considering purchasing a car. Is there a way for me to get cheap free car insurance somewhere here in Arizona?
Jacky
Phoenix, Arizona
It is very alluring, the idea of free car insurance, but, Jacky, there is no such thing as free car insurance anywhere in the United States. Each state, in fact, including Arizona, requires each driver to purchase a minimum form of insurance plan, most often liability insurance, in case you as a driver get into an auto accident. You know, for damages, lawsuits and such.
Auto manufacturers may be toying with the idea of a free car insurance, but they face mountains of challenges in coming up with coverage plans especially for the different types of drivers who buy their cars. So, what auto manufacturers do is that they offer incentives to their customers for gas allowance, discounts upon auto purchase, and other freebies to sweeten the deal. It is an attractive idea especially if the cost of car insurance, as well as other types of insurance policies, comes into the picture, but for now, it is not yet practical.
What you can do, though, would be to lower the cost of the car insurance that you pay for. There are different ways to do that. Shop around, get free car insurance quotes from companies. Compare policies of each company, and get tips on how you can lower your cost for car insurance.
Is Auto Insurance Required In New Hampshire?
Reader’s Question:
Is it required to have auto insurance coverage in New Hampshire?
Jerome
Manchester, NH
Knowing the insurance policy is very essential before purchasing auto insurance in New Hampshire. Getting in touch with the insurance policy is one way to have complete information.
Auto insurance in New Hampshire does not necessitate liability insurance. Motorists are greatly encouraged to purchase this policy nevertheless. When the victim has medical expenses and property damages, liability policy will pay for them.
Because not all states require their motorists to carry liability insurance, uninsured/underinsured motorist coverage is highly recommended for residents in New Hampshire. If the at-fault driver does not carry liability insurance, uninsured motorist coverage will pay for the expenses including property damages and medicines. This also benefits motorist that is a victim of hit and run.
Even if collision and comprehensive policy are not necessary, auto insurance in New Hampshire still highly recommends it. Auto insurance of drivers liable in traffic accidents will pay for the victim’s damages. Nonetheless, vehicle repair cost will be paid by him. Collision and comprehensive policy takes control of the expenses in repairing vehicle. Furthermore, extreme climate condition, wildlife encounters, and other uncontrollable situations and happenings that cause accidents are covered under this policy as well.
As soon as you have the complete information in New Hampshire regarding auto insurance, you can immediately begin to find one. One way to avail a cheap insurance rate is to gather and compare the rates of other insurance providers and use them as benchmark. The more auto insurance rates, the likely you can get cheap rates. While we know very well that age and gender are factors that influence rates which we cannot control, there are still aspects such as driving records, car model and odometer mileage reading that we can still manipulate. Good driving record must be considered while mileage should be lowered. Lastly, don’t purchase expensive model of cars if you want to save money from auto insurance premium.
Want To Change Your Car Insurance Company in New York?
Reader’s Question:
Hi there. I changed my car insurance company here in Queens New York yesterday and I would like to know if I need to inform the DMV about it or my insurer will take care of it?
Bert
Queens, NY
Your previous insurer will report to the New York State Department of Motor Vehicles (DMV) regarding the cancellation of your previous car insurance policy and your new car insurance company will let the NYS DMV know of the new issuance of policy to you. You basically do not need to do anything if the insurance company did what they are required to in NYS.
According to the NYS Department of Motor Vehicle your car insurance carrier must inform the DMV if you terminate or cancel your liability insurance. Your car insurance company in Queens New York is also required to inform the DMV if your policy has been reinstated or if you get new car insurance coverage. The DMV will send you notification if your new insurer does not file your new policy.
If you receive a letter from the DMV just follow the instructions in the letter. Normally you will be given ten days from the date of the DMV letter to prove that you have car insurance policy. If have insurance policy just ask your car insurance company to file an electronic notice of insurance coverage with the DMV.
If you want to make sure your car insurance company sent in electronically your new policy and that there was not a lapse between your old policy and new policy then you can contact the NYS DMV and verify with them. They will give you information if they have your updated auto insurance information and if their records show no lapse on the coverage.
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