Coverage & Claims

If I have full coverage and gap insurance, which one pays out if I total my car?

Sorry to hear about your accident. Your auto insurance plan will pay out the actual cash value as determined by the adjuster—minus any deductible you have.

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Coverage & Claims

If I have full coverage and gap insurance, which one pays out if I total my car?

Sorry to hear about your accident. Your auto insurance plan will pay out the actual cash value as determined by the adjuster—minus any deductible you have.

Eligibility

Can my husband add a car that is in my name to his insurance policy?

Thanks for your question. Your husband should be able to add your vehicle so long as his insurance carrier is alright with the change.

Eligibility

What are my options if I need SR-22 insurance in Colorado but don't own a car?

I wish there was an easy answer, but I would suggest discussing it with an agent. It is true if you have access to a vehicle most companies will be hesitant to give a non-owner plan.

Car Insurance Costs
Coverage & Claims

Can I sell a car if a windshield replacement claim hasn't been completed yet?

Thanks for the question. I would not sell the vehicle while the claim is still open.

Car Insurance Costs

Will my rates go up if I file a claim for a vandalized windshield?

A comprehensive claim can affect your insurance rating. However, most carriers are alright with allowing one such claim per three year period.

Eligibility

Can I insure my recently-deceased mother's car while waiting for the title to transfer?

So sorry to hear about your loss. Yes, you are allowed to insure and use the vehicle before the transfer is done.  Thanks for the question and don't hesitate to reach out should any other questions arise.  

Driving History

If I have an accident in my parent's car, will the accident be on my record or my parent's record?

Thanks for the question. Different claims departments file such claims differently.

Condo Insurance

What does "walls out" coverage mean in an HOA policy?

I believe they are saying that since the damage is to the interior of the condo, then it is the unit owner's responsibility to get any damages covered — whether they need to pay out of pocket or use their own condo insurance. The HOA "walls out" policy generally means that it will cover damage to the exterior walls, roofs, and other property contained inside the exterior framing, but not anything inside the unit.

Eligibility

How old does a child have to be to gift a vehicle to them?

Texas requires a vehicle owner to be at least 18 years old. If under that, they will need a legal adult to be on the papers. If you have any questions, don't hesitate to ask.

Coverage & Claims

What happens if someone makes a false car insurance claim against me?

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible.
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