Coverage & Claims Eligibility

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.
Jun 24, 2020 Dallas, TX

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Homeowners Insurance

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.
Jun 8, 2020 Dallas, TX


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.
Oct 1, 2019 Dallas, TX

General Insurance

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.
Sep 6, 2018 Dallas, TX

Driving History

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.
Apr 10, 2018 Dallas, Texas

Coverage & Claims

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.
Apr 9, 2018 Dallas, Texas

General Insurance

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.
Mar 19, 2018 Dallas, Texas

Car Insurance Costs

Why is my insurance $200 a month?

There are a few things to look at here. First, your at-fault accident.
Jan 27, 2018 Dallas, Texas

Coverage & Claims General Insurance

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.
Dec 26, 2017 Dallas, Texas

Coverage & Claims

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.
Aug 27, 2017 Dallas, TX

Car Insurance Costs

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.
Aug 8, 2017 Dallas, TX
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