Texas

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.

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.

Thanks for the question. Typically, Texas auto plans do not carry a cancellation fee.

Sorry about your situation. Unfortunately, there is no grace period around dates.

Not all car insurance companies in the US will be willing to cover an imported right-hand vehicle, so be prepared to shop around. In addition, temporary car insurance doesn't really exist.

It's not likely that medical issues would cause a price difference. However, an insurance company could flat out say they will not cover him though if it affects his ability to drive safely.

Your credit is not run when you're in the shopping-around-stage for insurance quotes. It's only when you finalize your policy that your new insurer will run a soft credit check.

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.

Temporary car insurance doesn't really exist. You will likely have to get a Texas auto insurance plan before they let you leave with the vehicle.

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.