Drunk Driving Insurance Abilene Texas TX
Reader’s Question:
I got charged of a DUI and will be losing my license in Abilene, Texas. I recently bought a new vehicle and must keep full coverage insurance on it. Is there an insurance that I can get on this car for the time that my license is revoked, so others can drive it for me?
Jerome
Abilene, TX
It can be hard if not impossible to get insurance while your license is revoked or suspended. Once an insurance provider finds out that your license is revoked or suspended your policy typically is canceled.
If there is another person that has registered or co-owns the vehicle with you, they might be able to obtain insurance in their name for the car until your license is reinstated. If not, then the finance company can get “force” insurance, where they take out insurance on the car to protect their asset (the car) however it might not be enough to cover others driving the car.
If you are able to obtain a restricted license, while still serving your DUI penalty, then normally an insurance provider will be able to insure you and your car.
To have a someone be insured to drive your vehicle might be possible through certain insurance providers. Check if this is possible in your situation by obtaining a free car insurance quote here.
Tags: auto insurance, DUI insurance
Non Owners SR22 Insurance Amarillo Texas TX
Filed under: Cheap TX insurance, TX car insurance, Texas Non owner insurance, Texas SR22
Reader’s Question:
The insurance coverage on my car has lapsed. It is not not insured at all currently. My friend has a non-owners auto insurance policy with the sr-22. Can my friend drive my vehicle legally with only the non-owners insurance, or is my car required to have its own insurance policy if it is to be driven? I’m in Amarillo, Texas.
James
Amarillo, TX
According to Texas state law, which is the same to most states, every owner and driver of a vehicle must maintain financial responsibility (insurance). If your friend got involve in an accident that was their fault the car’s insurance (thus you as the owner) would be primary. If the car did not have insurance the individual hit could go after you, the owner, personally for the cost of repairs, medical, etc.
Your friend’s non-owner SR22 will be secondary on whatever car he or she drives. So your friend will have to make sure that the car has auto insurance on it as well.
Tags: auto insurance, non owners insurance, sr22 car insurance
Automotive Insurance Policy Texas TX
Reader’s Question:
Is it considered a car insurance fraud if someone adds a car to their car insurance policy that is registered to 2 other non-related individual in the state of Texas?
Phil
Dallas, TX
If somebody adds a car to their car insurance policy without being forthcoming about the real reason that the vehicle is being added to the car insurance policy or whom the registered owners are, it can likely permit the insurance carrier to not cover the vehicle for claims.
If you or anyone you know wants to insure a car that they do not own, and thus have no insurable interest in, they should explain that to their insurance company when trying to add the car to the insurance policy. If you are not sure if you are able to insure a car, you may ask the insurance carrier and find out instead of doing something possibly illegal. Being upfront and honest will allow you to obtain an accurate insurance quote and to be properly covered.
Texas SR22 Auto Insurance
Filed under: Cheap TX insurance, TX car insurance, Texas SR22
Reader’s Question:
Where do I acquire an SR-22 certificate in Texas? Does my insurance carrier already have copies?
Sara
El Paso, TX
When you get at least the minimum auto insurance coverage that the state of Texas is requiring of you to get and maintain then the insurance provider will fill out the SR-22 form and file it with the state on your behalf. Not all insurance providers file the SR22, form of financial responsibility, so you will need to be sure the insurance carrier you obtain your car insurance policy with does offer the filing of the SR22.
An insurance agent in Texas can provide you the actual SR22 form, or it will be mailed to you with your policy documents. Each state has various form requirements, typically though it is a pink form that has your name, policy number, etc. It is used in the drivers license office to show proof that you have the state’s minimum liability insurance. The insurance company will also manually or electronically file with the DMV an acknowledgment that you have the SR-22. If you are shopping for auto insurance and need to file an SR-22 with the state be sure to tell any insurance company you get quotes with so you can verify they do offer this SR22 service.
cheap TX auto insurance
Reader’s Question:
Im planning to buy a car and I just want to know which car is the cheapest to insure? I live in Texas.
Michelle
Thank you for asking Michelle.
Some models of motor vehicles are given an insurance group rating which insurance companies find helpful as one of the ways in which they determine a driver’s premium. Some factors used to calculate group ratings include the following so you may wish to consider them when purchasing your car:
* Damage and Parts Costs
* Repair Times
* New Car Values
* Body Shells
* Performance
* Car Security
To know the cheapest and generally best car for your needs you can do a research online. There are lists of motor vehicles that are cheapest to insure.
Goodluck!
MariCAR
Texas teen auto insurance
Reader’s Question:
Can I have my own insurance in TX if I only have a learner’s permit and Im only 15 years old?
Nicole
Thank you for asking Nicole
Young drivers in Texas must comply with the state’s financial responsibility laws, just as older mtorists do. Most young drivers, have the option of satisfying their legal requirements by being added to their parents’ car insurance policy.
It is very expensive to add a young driver to an insurance policy, but it’s cheaper than taking out a separate auto policy. If you want to be insured by your parent’s insurance compnay then they must discuss adding you to insurance policy with their auto insurance agent.
If however you want your own insurance policy it may be possible with just a permit but some insurance carrier will require a fully licensed driver to be on the insurance policy with you. In addition to that, a 15 year old minor you will need a parent or guardian to sign the insurance documents/contract with you.
Most companies would want you to be able to upgrade your learner’s permit first by acquiring a full license within a short period of time after the start of your insurance policy as well if you are trying to take out the policy on your own.
Goodluck!
MariCAR