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Car Insurance Costs General Insurance

Will an unreported car accident affect my premium?

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.
Jun 1, 2020 Houston, TX

Condo Insurance

Who is responsible for installing a handrail in a strata condo complex?

If it's part of a common area, the homeowners association (HOA) would be responsible for maintaining those areas. Since this is a safety issue, I'd bring this up with your HOA about making improvements.
May 20, 2020 Houston, TX

RV Insurance

Can I insure an RV bought from a friend if the loan is in her name?

This situation could cause a few issues. You cannot insure property that you do not own.
May 17, 2020 Willis, TX

Eligibility

Can I rent a car for my grandson to drive?

It's not likely that any rental company will allow this. Most car rental companies require drivers of their vehicles to be at least 25 years old.
Mar 15, 2020 Frisco, TX

Coverage & Claims

Should I file a claim with their insurance company or mine?

In this case, if they opened a claim on their own insurance they are likely admitting fault. I would also open a claim against their insurance.
Mar 12, 2020 Grand Prairie, TX

Eligibility

Do I need to report a fix-it ticket when applying for new auto insurance?

As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR).
Feb 25, 2020 Arlington, TX

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 26, 2020 San Antonio, TX

Eligibility

Can I add a non-licensed, non-U.S. citizen to an auto policy?

Thanks for the question. The first thing that I would say is that you should consider having them get their drivers license beforehand.
Jan 21, 2020 Arlington, TX

Eligibility

Can a handicap permit from another country be used in the US?

It appears the following states will allow you to use an out of country placard: California, Illinois, Louisiana, Nevada, and Texas. If she'll be visiting other states, you may need to contact the state's DMV for additional information.
Jan 19, 2020 El Paso, TX

Coverage & Claims

I got into a minor car accident and agreed to pay out-of-pocket, but today I learned they filed a claim against me. What should I do?

Unfortunately, if you're at-fault and the other party wants to file a claim against you, that is within their power to do so — even if you previously agreed to pay for the damage out-of-pocket. If you had already paid for the damage, make sure to tell the claims department when you speak with them and provide proof if you have it.
Jan 13, 2020 Brookshire, TX
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