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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 12, 2020 San Antonio, TX

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 7, 2020 Houston, TX

Car Insurance Costs

What's the fee for canceling car insurance after two months?

Thanks for the question. Typically, Texas auto plans do not carry a cancellation fee.
Dec 10, 2019 Huntsville, TX

Coverage & Claims

If I cancel my insurance is there a grace period after cancelation?

Sorry about your situation. Unfortunately, there is no grace period around dates.
Dec 8, 2019 Spring, TX

Eligibility

Can you insure a right-hand import vehicle for four weeks?

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.
Nov 6, 2019 Galveston, TX

Eligibility

Do medical issues affect car insurance rates?

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.
Oct 29, 2019 Princeton, TX

Eligibility

Will my credit be run and/or impacted if I get insurance quotes from The Zebra?

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.
Oct 24, 2019 San Juan, 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 23, 2019 Houston, TX

General Insurance

A friend is purchasing a car for me tomorrow, I'm wondering if there is a temporary policy I can get through the dealership until I can shop for my own policy?

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.
Oct 3, 2019 Katy, TX

Eligibility

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
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