Coverage & Claims Homeowners Insurance

I bought a new homeowners policy on the 3rd and my home was broken into on the 4th. Am I covered?

Yes, your claim should be covered. As long as a policy is active, it does not matter when the claim occurs.
Nov 27, 2020 Houston, TX

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Coverage & Claims

I let a friend use my car and it ended up totaled. What should I do?

If your vehicle is totaled, you should definitely file a claim and see if your insurance will cover it. If they refuse and your friend (the driver) has renters or homeowners insurance, he may be able to use his liability coverage.
Jan 8, 2020 Houston, TX

Homeowners Insurance

Is it legal to change homeowners insurance policies without the approval of all parties on the deed?

As long as you're on the deed, you do not need permission from all parties to change your homeowners insurance if it is in your name. Anyone with a vested interest could also insure the property how they see fit.
Oct 24, 2019 Houston, TX

Coverage & Claims

Will my rate go up if I file a claim for a damaged side mirror?

Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your own coverage.
Jun 19, 2019 Houston, TX

Coverage & Claims

Does car insurance cost less for a financed or owned car?

To my knowledge, no car insurance companies use ownership of the insured vehicle as a rating factor. The only way your premium would be impacted by having car loan is if the bank or dealership requires you carry additional coverage you wouldn't carry yourself for a vehicle you own.
May 20, 2018 Houston, TX

Homeowners Insurance

Will my homeowners insurance cover damage caused by a hurricane?

The majority of homeowners insurance policies do not provide coverage for flood damage. Unless your insurance policy provides coverage specifically against floods, you would have to have flood insurance through FEMA or the NFIP.
Sep 8, 2017 Houston, TX

Coverage & Claims

If my car is totaled in a flood, how much will my insurance company pay me for it?

Most insurance companies use NADA Guide to determine the market value of your vehicle at the time of a claim. In the case of a totaled vehicle, your payout is generally based on fair market value.
Sep 5, 2017 Houston, TX

General Insurance

What steps do I need to take to gift a car to my son in Texas?

Here is a simple breakdown of the process in Texas to transfer ownership of the vehicle to your son as a gift: You (the giver) and your son (the recipient) will both need to fill out and sign the "Assignment of Title" section on the vehicle's title. You will both need to fill out and sign the 130-U form (which is the title and registration application) available to print on the state's website.
Aug 21, 2017 Houston, TX

Coverage & Claims

If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?

In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Jan 23, 2017 Houston, TX

Coverage & Claims General Insurance

Whose insurance pays out if a borrowed vehicle is damaged?

I'm very sorry to hear about your crash and these situations can be extremely confusing so I'm glad you came here for your answer. The insurance coverage that is already on the vehicle should act as primary in this situation assuming that the vehicle is insured with comprehensive and collision coverage or possibly uninsured motorist property damage.
Jun 27, 2016 Houston, TX

Coverage & Claims

If I buy a policy today will it cover the hail damage that was already on my car?

Auto insurance (and specifically physical damage coverage for your vehicle) is meant to provide coverage while you have an active policy. If you are without coverage and something happens to your car or you damage someone else's vehicle, then you don't have active coverage and would have to pay for the damage out of your own pocket.
Apr 5, 2016 Houston, TX
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