General Insurance

How do I determine if I need an umbrella policy?

If you have assets you are trying to protect and have maxed out your liability limits, I would recommend getting an umbrella policy. They tend to be very inexpensive and will offer more robust coverage.
Nov 4, 2020 Austin, TX

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Most Recent

Coverage & Claims

How long do I legally have to get the car fixed after making a claim?

You are correct about how long you have to file a claim. However, each company is different, so you need to contact your insurance company for specific information relating to your repairs.
Jun 21, 2019 Austin, TX

Coverage & Claims

Will my rate change if I remove my non driving wife from insurance policy?

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.
Feb 28, 2019 Austin, TX

Car Insurance Costs

Companies that provide rideshare coverage for Uber

Yes, there are insurance companies that will insure you if you drive for a rideshare company. You will need to have a special endorsement on the policy that allows you to drive for rideshare and you are usually required to have higher limits.
Feb 2, 2019 Austin, TX

Coverage & Claims

Do I need to inform my insurance or can I just call at-fault party's insurance?

Most insurance companies require you to inform them anytime there is an accident. Typically when someone backs into you, their insurance will pay for the damages.
Jan 23, 2019 Austin, TX

Coverage & Claims Homeowners Insurance

Is this covered by my homeowners or do I have to sue?

Homeowner's insurance is to repair damage caused by an unforeseen event. In this case, it will most likely not be covered by insurance, especially because it is cosmetic damage caused by home improvements.
Jan 22, 2019 Austin, TX

Eligibility General Insurance

When can I drop my daughter from my car insurance?

Yes, you should be able to exclude her from your policy. If she is excluded, she will not be covered to drive your car.
Jan 20, 2019 Austin, TX

Coverage & Claims

What model car can I pick to get the cheapest insurance rates?

The cheapest type of car to insure is typically an early-2000s 4-door sedan. You want it to be a car that you are not making payments on that way you do not have to carry comprehensive and collision coverage.
Jan 18, 2019 Austin, TX

Coverage & Claims

Is legal to file two separate claims for same injury?

When you file a claim for an injury, the party responsible for the injury would be the company to pay for the claim. If you had another injury from the second accident you will be able to file a claim.
Dec 9, 2018 Austin, TX

General Insurance

Do I have to pay insurance while my claim is being paid out?

You would not need to carry insurance on the car that was totaled. You should be able to remove the car at any time and the claim will still be processed.
Dec 9, 2018 Austin, TX

General Insurance

Can someone with insurance cover damage caused by an uninsured driver?

Unfortunately the answer is no. The driver/owner of the vehicle is responsible for the damages.
Oct 30, 2018 Austin, TX
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