Reader’s Question:

I am just wondering what the car insurance policy cover when I use rental car? I live in El Paso, Texas.

Danny

El Paso, TX

Its a good question Danny.

It actually depends on your car insurance policy.

It would be best if you speak to your car insurance agent in El Paso, Texas to better explain what your car insurance policy covers when you rent a car or you may go over or review your car insurance policy. Your car insurance policy may not cover cars rented for business; it may cover for pleasure, like special events or vacations.

If you do not have the physical damage coverage of collision and comprehensive coverage for your own automobile, you may not have coverage for a rental vehicle. And if you damage a rental vehicle, your car insurance policy may not cover lost revenue the rental vehicle company incurs while the rental vehicle is being repaired; or the cost of a new vehicle if you total the rental automobile.

Tags: auto insurance, rental car insurance

Reader’s Question:

I live in Houston Texas. A car insurance agent called us up and ask if there is any young licensed drivers in the household. I gave my sister’s name and the car insurance agent said that she will be excluded. What happens if my sister borrows my car, will she still be covered?

Jennifer

Houston, TX

Insurance providers requires you to list all licensed household members so they may be able to determine their risk for having these licensed household drivers covered by your auto insurance. When you buy car insurance policy there can be risk to insurance carrier covering all household members that is why many insurance provider requires you to add or exclude a licensed household member. The main reason for all this is because as a household member, you may have access to the vehicle and may drive it anytime.

If your sister resides with you in Houston, Texas then your insurance carrier would want to know. You may have in your car insurance policy contract that you must notify them of licensed drivers residing in your household, so that they can add that person as an additional driver to your car insurance policy and be rated accordingly. If you exclude your sister to your car insurance policy she will not be covered by your car insurance policy if she drives your car and gets into an accident.

Tags: auto insurance, teen insurance, Young driver car insurance

Reader’s Question:

Im 19 years old and I just got my drivers license and I am just wondering if I need to get car insurance in Beaumont, Texas for the driving test or it is okay as long as the car that I will be using is insured. I will be using my mother’s car.

Mary

Beaumont, TX

I suggest that you verify with the Texas Department of Public Safety what kind of insurance you will need for driving test. Your mother’s insurance carrier will likely require to be listed in her car insurance policy so you may be covered while driving your mother’s vehicle.

According to the Texas Department of Insurance, young drivers may be able to satisfy the financial responsibility law by being added to their parent’s car insurance policy. Your mother may expect an increase on her car insurance policy if she adds a teenager to her car insurance policy but it is much cheaper than getting a separate policy.

I suggest that you make sure that you are added to your mother’s car insurance policy in Beaumont, Texas by contacting her insurance company to make sure you will be covered in case accident happens. Insurance companies require policyholders to list all licensed household members to their car insurance policy because if they do not and the insurers finds out later, the insurance carrier will charge the policyholder for the extra premium that should have been paid.

Tags: cheap auto insurance, Student car insurance, teen insurance, Young driver car insurance

Reader’s Question:

My son does not live at home and he is not a student. He is only 20 years old. So I am wondering if we still need to continue to insure him in our car insurance policy in Lewisville, Texas.

Robert

Lewisville, TX

Generally, since your son no longer resides in your household in Lewisville, Texas and is not a student, it is possible that your car insurance company will no longer permit your son to be added to your car insurance policy however car insurance company’s guidelines vary so I would suggest that you contact your own car insurance provider to check if you may be able to exclude your son who is not living with you and not a student.

Most car insurance company would not want to continue to insure your son under your car insurance policy in Lewisville, Texas if your son lives in a separate address. most insurance providers will not insure a car to more than one household so your son may have to buy automobile insurance for the car. So if your son’s vehicle in still on your car insurance policy then you will need to speak with your car insurance company if they will permit you to insure him since most insurers will not allow to insure a car to more than one household in a single car insurance policy.

Tags: car insurance, Student car insurance, teen insurance