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 3, 2020 Austin, TX

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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 20, 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 27, 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 22, 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 17, 2019 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 8, 2018 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 8, 2018 Austin, TX

Eligibility

Does a vehicle need car insurance if its in storage in New Jersey?

Every car that is registered needs to have insurance in New Jersey. Since you are not driving you can keep the state minimum liability on the vehicle.
Oct 21, 2018 Austin, TX

Coverage & Claims Eligibility

Risk of assets for separate car insurance policy

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.
Jul 27, 2018 Austin, TX

Coverage & Claims

Who pays for damage I caused while using a company vehicle on company time

Unfortunately, fault can only be determined by the claims adjuster assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at fault then the company's insurance would take cover the damages.
Jul 27, 2018 Austin, TX

Car Insurance Costs

Do I get to claim on financial loss on a brand new vehicle?

There are a couple of things to think about here. First, although you have comprehensive coverage, this wouldn't apply to this situation because another vehicle caused the accident.
Jul 27, 2018 Austin, TX
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