Auto Insurance Policy Coverage in San Antonio Texas
Reader’s Question:
If an individual without a driver’s license operates someone else’s car and is involved in an accident, will the owner’s auto insurance cover the accident? Will it matter whether or not she had the owner’s permission to drive the car in San Antonio, TX?
Dan
San Antonio, TX
Whether the vehicle owner’s insurance will cover an accident when the car was driven by an individual without a valid driver’s license will depend upon the terms of the owner’s auto insurance policy and any exclusions the auto insurance policy may have written into it.
Generally an insurance provider will cover those that you permit to use a car. So normally if a friend borrows your vehicle your car insurance follows the vehicle and extends to any accident the driver may have while using your automobile.
Some car insurance policies though exclude from accepting car insurance claims for drivers that are driving the vehicle without a valid license. Some insurers may permit the auto insurance claim to go through but this incident claim would likely increase the owner’s car insurance rate premiums since it is more of a risk to an insurance carrier that an insured permits their cars to be driven by unlicensed motorists.
It does matter if a an individual has permission to drive the car or not. One of the prerequisites to an insurance carrier accepting a car insurance claim is that the driver of the car had permission to drive it. If somebody unknowingly takes your car without your permission then most likely an insurance carrier will not accept the car insurance claims.
You should check with your insurance carrier in San Antonio, TX to find out if they will accept car insurance claims arising from this accident or not.
Cheap Multi Car Auto Insurance in San Antonio Texas
Reader’s Question:
Would it be cheaper if my girlfriend and I have a one auto insurance policy for all the vehicles that we separately own if we live together instead of separate insurance coverage with different insurance companies? We live in San Antonio Texas.
Rick
San Antonio, TX
It could be cheaper if you and your girlfriend to get a multi-car policy for your household provided that you find an insurance company that permits for both of your cars to be on the same insurance policy without you two being related or married.
If you find an insurance carrier that finds this insurance policy acceptable, then typically a multi-car insurance policy will be cheaper than people that have separate insurance policies on their own. A multi-driver or a multi-vehicle discount may apply so ask the insurance company and also ask if there are any other discounts that you or your girlfriend may receive.
One of the best ways to obtain the most reasonably priced insurance policy is to do comparison shop for car insurance policies in San Antonio TX.
Auto Insurance Policy For Single Car in San Antonio Texas
Reader’s Question:
Can I have more than one car insurance policy on one car? I live in San Antonio Texas?
Chapman
San Antonio, TX
Yes, it is possible to have more than one car insurance policy on one car if there are 2 different people that would like to buy auto insurance for one vehicle.
Auto insurance guidelines vary so I would suggest that you check with different insurance providers or your current insurance company in San Antonio Texas to check if you can find one that allows what you want. This type of double insurance on a car typically is not necessary and may go against insurance carrier underwriting guidelines.
Even if it is possible to have more than one auto insurance policy on a car it might still be difficult to find an insurance company that would allow this since normally one car insurance policy is all that is needed to cover a vehicle and its drivers typically.
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