Coverage & Claims

Is it illegal to carry liability insurance rather than full coverage on a financed vehicle?

Though it's not illegal, you will be violating the terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.
Jan 27, 2020 San Antonio, TX

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Coverage & Claims

My car is titled under my boyfriend's name and is now totaled but he's in jail. What do I do?

The claim payout for the total loss will only go to the lienholder or owner and not a third party. Your boyfriend will need to somehow sign the check or the vehicle over to you so you can remedy the situation.
Jan 13, 2020 San Antonio, TX

Coverage & Claims

If I borrowed my mom's car and was hit by an uninsured driver does she pay a deductible?

If your uninsured motorist coverage pays for the damage, you may have a deductible. Every policy is different so you will have to look at the specifics of your coverage.
May 8, 2019 San Antonio, TX


Can I get auto insurance immediately and pay when I receive my paycheck?

Insurance companies require a payment to get the policy started. There are many different factors that go into calculating your rate.
Jan 15, 2019 San Antonio, TX

General Insurance

When do I have to pay my deductible

Simply put, no. Your deductible only applies to your car through your collision and comprehensive coverage.
Jun 25, 2018 San Antonio, TX


Does USAA membership extend to grandchildren

From my knowledge, your parent's would also have to be members in order for you to qualify. But, as I'm not an agent for USAA, I would call them and speak to an insurance agent directly.
Jun 5, 2018 San Antonio, TX

General Insurance

Is this insurance fraud?

Yes, that is fraud. An insurance company needs to know what kind of risk it is being exposed to in order to accurately price the policy.
Mar 18, 2018 San Antonio, Texas

General Insurance

Why did my insurance company pay another driver for half of his damage after an accident when the police said we were both at fault?

It is quite common for drivers to share fault in an accident. The amount your insurance is paying to the other driver is based on your percentage of fault in the accident.
Sep 10, 2017 San Antonio, TX

Coverage & Claims

Should I file a claim if my son damaged our cars in the driveway?

Considering that you have a young driver on your policy and your rates are already inflated due to a recent claim, I would recommend getting a repair estimate first to see if you can afford to pay for the damage out of pocket. At fault accidents in Texas have an average impact of about $850 extra per year for 3 years from the date of the incident, and you may have to pay a deductible for each vehicle.
Jan 9, 2017 San Antonio, TX

General Insurance

If I'm paying for damage I caused to another car out of pocket, does the other driver have to provide 3 repair estimates?

There is no requirement for a specific number of repair estimates. Unfortunately since you decided not to file the damage claim with your insurance company then it is up to you and the other driver to negotiate a fair repair cost.
Aug 16, 2016 San Antonio, TX

Coverage & Claims

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy: Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately.
Jun 24, 2016 San Antonio, TX
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