Odessa Texas Automobile Insurance
Reader’s Question:
Hi, Im from Odessa, Texas. Am I covered under the car insurance policy for natural disasters? Are there exceptions to the car insurance policies?
Joey
Odessa, TX
In Texas, most catastrophes are covered under the car insurance policy. However, earthquake and flood damage, are not covered by a standard policy and both are more common than many people realize. Check with your car insurance agent about special catastrophic policies for normally excluded conditions like floods and earthquakes. There may be exceptions listed and defined in your policy such as neglect, intentional loss, “earth movement,” general power failure and even damage caused by war. If you fail to take care or neglect your property, you may not be covered. Generally, if you intend to lose an object or damage your own property, there is no coverage.
One other exception that can be costly is the Ordinance or Law exclusion. Building codes established by governmental bodies that drive up the cost of rebuilding or repairing after a loss occurs may not be covered under your car insurance policy. So if you discover that current law demands higher grade or more expensive materials than the original ones being replaced when replacing damaged property, the new materials may not be covered for the full cost. Comprehensive insurance that covers you for fire and theft, generally covers you against damage by flood, earthquake, hail and other natural disasters, except when your car is overturned (which is considered a collision).
Houston Texas Auto Insurance Policy
Reader’s Question:
Can you have more than one car insurance policy on one car in Houston, Texas?
Marla
Houston Texas
Yes, it is possible to have more than one car insurance policy in Houston TX on one car if there are two different person that want to buy insurance for one vehicle. But, finding insurance carriers that would permit this “duplicate” coverage will likely be not easy.
Insurance guidelines vary so you would have to verify with different insurance carriers to check if you can find one that allows what you want. This type of double insurance on a car is not typically necessary and may go against insurer underwriting guidelines, since hopefully one policy would be able to cover all the motorists of the car.
So while it might be possible to have more than one motor vehicle insurance policy on a car in Texas it might be hard to find an insurance company or insurance carriers that would permit this since normally one auto insurance policy is typically all that is needed to cover a car and its drivers.
Texas SR22 Auto Insurance
Filed under: Cheap TX insurance, Texas SR22, TX car insurance
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.
Car Insurance SR22 Arlington TX
Reader’s Question:
I found out that my license is suspended because of driving without insurance. How much will it cost me to get it back? I live in Arlington, TX.
Ben
Arlington, TX
You may have your driver’s license suspended for a second or subsequent ticket for no liability insurance in Texas. If a individual is convicted of a second offense for no-liability car insurance, the person is subject to license suspension or revocation. This is according to Texas Transportation Code 601.231, and 37 Texas Administrative Code 25.19.
A reinstatement fee due prior to the renewal/issuance of a driver’s license must be needed to reinstate your license after a suspension for no insurance there is. You must also get a certain proof of insurance (form SR-22) from an insurance provider and submit it to the Texas Department of Public Safety (DPS). The SR-22 is required for 2 years from date of conviction.
car insurance in Texas
Reader’s Question:
How far can an insurance company go back to check the driving record for DUI or DWI in Texas?
Jared
Thank you for asking Jared.
The Texas Department of Public Safety states that traffic violations appear on a driver record for a period of five years with the exception of serious offenses.
According to the Texas Department of Insurance also that a clean driving record can save you money. If you got involved in an accidents or tickets on your driving record, It will likely be placed in a nonstandard company, which charges higher insurance rates.
Additionally, insurance providers can add penalties – called surcharges – to your insurance premium for serious driving offenses, like DWI, DUI, and accidents resulting in property damage of $1,000 or more. Surcharges are mandatory for rate-regulated providers and remain on your premium for 3 years.
So since the DWI will stay on a individual’s TX driving record indefinitely the surcharge given to a motorist for this violation remains normally for 3 years. Typically, the longest amount of time a carrier will go back is 10 years, but that is rare. Five years is the average period of time that companies review the record.
Goodluck!
MariCAR
sr22 Texas insurance
Reader’s Question:
I just want to know the procedure in removing an sr22 in the state of Texas.
Henry
Thank you for asking Henry.
An SR-22 insurance policy in Texas is a certificate of insurance that shows proof of insurance in the future to the Texas Department of Public Safety (DPS), as required by law. SR22 is motor vehicle liability insurance which requires the insurance providers to certify the coverage to the DPS, and the insurance provider must inform DPS if the policy is cancelled, terminated or lapses.
There is form called SR-26 which must be filed by the insurance company to cancel or terminate the SR-22. If you no longer needs the SR-22 you should tell your insurance provider to cancel it. Some insurance companies may want you to provide documentation from the DPS that the SR22 can be remove already before filing the SR-26. You may contact the DPS to confirm that you can remove the SR-22.
Goodluck!
MariCAR
Texas sr22 insurance
Reader’s Question:
What happens if I cancel the last three months of my required period to carry the sr22? I live in Texas
Jack
Thank you for asking Jack.
The Texas statute TRC CH. 601.340 a Safety Responsibility Law or Evidence of Financial Responsibility Law, provides information for those whose driver license or privilege has been suspended or revoked.
For you to be able to restore your driving privileges, individuals are mandated to file and maintain an insurance in the form of an SR-22 or financial responsibility certificate , original pink copy, with the Department. SR-22 insurance is required for a period of two (2) years from date of conviction.
There is also a required reinstatement fee with the SR-22. Within the two-year period, if the DMV receives notice from the insurance provider that insurance coverage has been canceled or terminated, suspension action will be taken.
Goodluck!
MariCAR
Texas non owner sr22
Reader’s Question:
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
insurance non owner Texas
Reader’s Question:
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
