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

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

My insurance carrier will not cover my son in the policy. Can I get a non owners instead?

Bill

Thank you for asking Bill.

It doesn’t look like a non-owners policy would be of much help to your son. A non-owners insurance policy would only cover any liability that is incurred by the insured. If a driver is excluded on a policy then he should not operate any motor vehicle in the household, even with a non-owners policy.

According to the Texas Department of Insurance, you can sometimes remove a teen-aged driver or adult child living at home from your insurance policy by acquiring a non-owner policy, however this is not a good idea. A non-owner policy only provides additional liability insurance when operating a non-owned vehicle.

It is also noted that if your child got involved in an accident while driving your car, neither your policy nor the non-owner policy will pay for the damages. This is because the child is excluded from your insurance policy and his non-owners is only for providing additional (excess) liability, if the primary insurance is not paying on the damages caused by the accident then the non-owners would not typically pay either.

I would suggest that you find a company that will cover the 21 year old on the policy with you and at the same time provide cheap insurance policy for you. You may start shopping for cheap insurance policy in the net by checking individual websites that will provide a policy including your son.

Goodluck!

MariCAR

I was required to carry an sr22 in TX but I do not own a vehicle. I just want to know why.

Paul

Thank you for asking Paul.

Most of the times an SR-22 is required of a drivers after being convicted of certain infractions of the law and especially at the time the driver wants to get their license reinstated or restored.

If the state isn’t mandating you to carry an SR22, you don’t need to buy an SR22. Whether you are going to drive or own a car, it does not matter if the state is requiring that you acquire an SR22 as a condition of your license being reinstated. The SR22 is showing that you will have future financial responsibility if you do operate a vehicle.

If you do not own a vehicle and you are mandated to get a SR-22 you should be able to get a non-owner SR-22 policy.

To find out on why you specifically are being required to carry a SR-22 you would need to contact the Texas DPS or other TX agency that has informed you that this financial responsibility form is required of you.

Goodluck!

MariCAR