Does Liability Auto Insurance Cover Car Damages?
Reader’s Question:
My sister was driving my car and rear ended a person. She has only liability coverage and I have a full coverage in San Antonio TX. Will my car insurance pay or hers?
Jim
San Antonio, TX
Your car insurance in San Antonio TX should pay since it was your vehicle that was being driven. There should not be any issues with your sister driving if she is not excluded from the coverage. Most auto insurance policies define in as you or a relative or any individual using your insured vehicle with your express or implied permission to do so. But, if she is a household member than she may need to be listed on the policy in order to be a covered motorist.
You should report this loss to your insurance provider if you have not already. A licensed claims adjuster will be able to inform you the coverages and benefits on your car insurance policy with you.
Can I Get Car Insurance Without Registering it in San Antonio?
Reader’s Question:
Can I insure my vehicle without registering it in San Antonio Texas?
Thomas
San Antonio, TX
If you can insure a vehicle without registering it in San Antonio TX, will vary from insurance provider to insurance provider since underwriting guidelines vary as do state laws
Generally, insurance carriers will request a current registration. It helps prove someone has insurable interest in a car. An individual has an insurable interest in something when damage or loss to it would cause that individual to suffer a financial loss or certain other kinds of losses.
If you have a vehicle that you want to insure without registering you can check with various insurance providers in Texas to see if their guidelines allow for coverage to be placed on the car or not. It may depend upon the reason the vehicle is not being registered but will always adhere to what law of the state first and foremost dictates and then the own guidelines of the individual insurance carrier.
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