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Coverage & Claims

Should I claim repairs to my vehicle under my own auto insurance or under the property owners umbrella insurance?

In this case, I would pursue the damages through the LID first. If they deny fault, you can submit it to your insurance company.

General Insurance

My friend is giving me a car as a gift. What do I need to do to get it transferred in my name?

You need to have the title transferred to you and register it in your name. Here is some information related to that — it will all be done via the TX DMV.

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.

Coverage & Claims

Could my parents' premium increase if I reported an accident to the insurance company but decided to repair the car out of pocket?

The claim can still show up on your insurance report but it would show that $0.00 was paid on the claim. Having said that, it can still impact your rate for up to five years.

Coverage & Claims

Can I file a claim with the at-fault driver if I started it with my company?

My best advice is to contact your insurance company and speak to an adjustor. If you're unsatisfied with the claims payout for your totaled car, you would need to dispute it with your insurance company.

Coverage & Claims

Will my rate change if I remove my non driving wife from insurance policy?

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.

Coverage & Claims

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs.

Car Insurance Costs

Companies that provide rideshare coverage for Uber

Yes, there are insurance companies that will insure you if you drive for a rideshare company. You will need to have a special endorsement on the policy that allows you to drive for rideshare and you are usually required to have higher limits.

Coverage & Claims

Non-named driver got into an accident, are they covered?

If you have a Named Driver policy, that means the people listed as drivers on the policy are the only ones covered. Since the driver is not listed on the policy, they are not covered to drive the car and the insurance company can deny the claim.

Coverage & Claims

Do I claim my stolen vehicle with Lyft or Geico?

This can depend. Most car insurance companies work together with Lyft/Uber in order to provide coverage as long as you have a rideshare endorsement. Below is a break down of how the coverage works.
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