If I give my daughter in Texas my car, does she need full coverage or liability?
Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.
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How soon after switching home insurance policies can you make a claim?
Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.
Can I cancel insurance on a financed vehicle if I have gap insurance?
In most cases, gap insurance is only applicable if the vehicle is totaled in an accident — not due to mechanical or motor issues due to wear-and-tear. So it would not apply in your situation.
Can I pay for all my insurance policies at once?
Each policy would be separate. They would take out a different payment for each policy.
Driving record transfer from state to state
Most companies will only run the current MVR so in your case Texas would be pulled and the Illinois ticket will not show up. The issue would be if the underwriters pull the Illinois records and see the ticket they will add it to your policy after you have bound it.
At-fault driver gave me the wrong information
I would contact the police with what info you have. If you have the plate they should be able to locate the owner and either pull his insurance info or track them down to get it again.
Can my insurance agent list me as single even if I'm married?
No. You should be able to be listed as married and just have your wife listed as an excluded driver on your policy.
Why is my insurance $200 a month?
There are a few things to look at here. First, your at-fault accident.
Do I have to add my son to my policy?
For the most part, insurance companies consider your residence address as the place you spend the majority of your time at. So, because your son uses your home address as his base and lists it on his driver licenses as well as uses your vehicle often, you should add him to your policy.
Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.