Texas Auto Insurance

Texas Auto Insurance questions and answers

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Q: Need to find information about Texas auto insurance and registration regulations?
Need to find out what are the requirements and regulations to have a vehicle registered and insured in the state of Texas

A: http://www.dot.state.tx.us/default.htm

Q: Does anyone know the penalty for a motorist not having auto insurance in Texas?
The auto is insured, and the driver is authorized to drive it. Got speeding ticket and showed proof of insurance for auto. Went to get deferred adjudication and included copy of insurance card where authorized user but now being asked for insurance on driver.

A: A friend had to pay 345 for no insurance

Q: texas auto insurance, deductable on someone else's vehicle you have an accident in?
son works for a dealership and is certified for state inspections, had a two-tire blowout and hit a mailbox, dealership wants my son to pay for the deductable on the customer's vehicle. Is my son liable to pay for that deductable?

A: The employer is responsible/liable for the actions of its employee. The dealership should have insurance to cover the damage.

Q: What kind of license do I need to sell Home and Auto insurance in Texas?
What is the name of it and where can I get it? Online? any study books I need to buy?

A: relentlessinjesus, Home insurance is actually very flexible. I'm not sure about Texas regulations, so I suggest you visit a nearby home insurance agent. http://www.easyhomeinsuranceguide.com/Texas-Home-Insurance.html They will be able to help you.

Q: What is the typical rate for adding a teenage girl to auto insurance in Texas?
Female Texas Drivers Education Completed

A: I deal strictly with auto insurance and add teenagers everyday. There's really no straight answer I can give you, because there are so many variables. Insurance companies in Texas typically have 25 or more rating tiers. That means 25 different base rates depending on what risk your policy is considered. There is also a big difference in rates depending on what county you live in. I do in-state address changes that subtract or add as much as $300 to people's rates. If you're in a cheap county and in one of your insurance company's most preferred tiers, it might only be an extra $20 - $30/month. On the other end of the spectrum, you could be looking at an extra $200 - $300/month. I wish I could be more specific.

Q: minium auto insurance in texas had a bad accident can i go after and insurance besides the coverage?


A: You can file a court action for any amount not covered by the other persons insurance (if they were at fault).

Q: Texas auto insurance?
any ideas on price range for monthly insurance? 18 year old female, north texas, small car, no previous accidents or tickets. thanks!

A: NEVER TRUST TEXAS or TEXANS!!! ONE word "BUSH" ;p

Q: Does my auto insurance cover me in a rent car?
I bought car insurance from AIG on-line; the policy does not state that I am or am not covered when renting a car. I live in Texas. The policy I have does note various 'endorsements' related to Texas. When I call the help desk at AIG and ask if I am covered, they cannot tell me. Does the Texas Auto Insurance endorsements require that my insurance go with me when renting a car? If I am also driving someone else's car, what coverage would go with me as part of standard Texas policy? I have Liability, Uninsured/underinsured, coverage for damage to my auto (other than collision/collision). When I rent a car from say Enterprise, if my own insurance is in force, what extra coverage should I get so I do not have to pay a thing if their car gets scratched or dented? thank you.....frustrated in Texas.

A: Read your policy carefully. If it has language that specifically extends coverage to "non-owned vehicles" then you may be covered. It should also define "non-owned vehicles" since that definition varies from one policy to the next and one company to the next. With some policies, coverage is only extended to "temporary replacement vehicles" meaning that if your car is out of service and you rent one while yours is being repaired, you're covered. This would NOT include a rental car while traveling on business or vacation. A good policy will specifically explain when you are covered and when you are not. But if the policy doesn't specifically state that you're covered in a rental vehicle you should assume that you are NOT covered. That's the ONLY safe assumption that you can make. Even if coverage is extended to rental vehicles, you need to make sure that ALL coverage is extended. Some policies ONLY extend liability coverage while others extend all coverage. Again, if your policy is silent, assume that NO coverage is extended. Best bet: Look for a policy that extends to all vehicles operated by you or any named insured driver on the policy. Many companies offer policies with this coverage and it's cheap peace of mind. Hint: If AIG's help desk cannot answer the question, it's time to find another insurance company!

Q: What do you know about Texas auto insurance?
Best of my knowledge, I am required to have liability auto coverage. I do and I also have pip. Another driver pulls in front of me, causing accident,,police report and witnesses agree on this. I am getting treatments 3 times weekly for whiplash. Now my first question is why does Texas require liability when my pip- is paying the med bills? Now my second(is this legal?) the adjuster for auto says about half what the shops say and I want to do the work myself. I want the higher amount and it is a parts price difference.

A: I recommend you find a local auto insurance agent to assist you. Since I live in Maine I can't recommend anyone in Texas, but here is an resource that can help you. http://www.autoadviceonline.com/Free-Auto-Insurance-Quote.html Hope it works out

Q: what is the cheapest teenage auto insurance in texas??
in austin, texas just got a permit ....drive a honda,-accord ... am going to be 16 in like 4 months

A: if you could get covered under your parents then that's the cheapest option, for your own insurance these people here http://motorcars.ebookorama.com/car-insurance.php can be difficul to beat as they compare amongst all top insurances in the 50 states, hope it helped, have fun and drive safe.

Q: Auto insurance in Texas...???
I live in Texas and need auto insurance. I need full coverage, and my credit is terrible. I need to know if anyone can recommend a GOOD insurance company that don't have sky high rates. Any help would be appreciated.

A: Hi there, just try this: http://insurance.moneysavecenter.com/ it saves plenty of time as it's just the one form but it compares a ton of top insurers. You'll get plenty of quotes in no time. Good Luck. Rob.

Q: Trying to find Auto Insurance in Austin, TEXAS?
Any recommendations on auto insurance? We have been with USAA for 8 yrs, but we are looking to change. Any ideas?

A: i answered this in another question earlier, but the same applies. find an insurance broker/s in your area. brokers sell a variety of insurance companies and they can shop who they handle for the best rate. i just did it and saved a LOT!

Q: Is it necessary for a teenage driver to purchase auto insurance before obtaining a driver's permit in Texas?
Do the parents of teenagers just getting their permits have to add them to an insurance policy, or can this be done when they get their actual drivers license? In Texas.

A: As long as the car you are using for practice has insurance, and a licensed driver of the proper age is with you, you are covered and don't need your own policy until you have passed the test, have a license and can drive alone.

Q: I am interested in becoming an auto insurance broker in texas. What do I need to do to get started.?


A: get the license

Q: What are the minimum liability requirements for auto insurance in Texas?
What are the minimum liability requirements for auto insurance in Texas? I was notified by my insurance agent that there will be a new minimum liability coverage as of April, 1, 2008 here in Texas. Do any of ya'll know the answer to this? I found some info on the internet, but it only talks about the current minimum requirements, not the ones coming up. I also want to know this information so I can know what to expect and see where my insurance pricing/quote will be ranging. (I am a female, 18, and single). I also dont want to get ripped off :o) Any help will be highly appreciated. Thanks.

A: From 20/40/15 to 25/50/25 "Texas law states that a person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle. Most people do this by buying automobile liability insurance. The law currently requires minimum coverage of $20,000 per injured person, up to a total of $40,000 for everyone injured in an accident, and $15,000 for property damage (20/40/15 coverage). On April 1, 2008, the minimum required liability limits increase to $25,000 per injured person, $50,000 for everyone injured in an accident, and $25,000 for property damage (25/50/25). "