Does SR22 Insurance Cover Accidents in San Antonio
Reader’s Question:
I was driving my girlfriend’s vehicle and she has no insurance on the car . I got into an accident, will my SR22 insurance in San Antonio Texas cover the accident?
Gene
San Antonio TX
I suggest that you verify if the car that you were driving has car insurance. The automobile owner is required to get insurance on his or her automobile. Your SR22 insurance in San Antonio Texas is secondary to the insurance of the car owner. You could also get in trouble if you operate a vehicle without insurance on it.
If you borrowed a vehicle from your girlfriend and gets into an accident then your girlfriend’s car insurance would be the primary and would kick in first. However if for instance you were at fault in an accident and the damage to the other party’s property exceeded the liability limits on your girlfriend’s car insurance policy, your SR22 insurance policy would cover the excess up to policy limits.
Filing an Auto Insurance Claim in San Antonio Texas
Reader’s Question:
I wrecked my grandfather’s car while he is out of town. I used his car without his permission. Now the insurance carrier in San Antonio Texas is charging us thousand of dollars for the damages and I am wondering what we could do to resolve this. We cannot afford the amount and I am just a student.
Ben
San Antonio, TX
As a policyholder, you have rights and and it is stated on the car insurance policy contracts. This legal contracts shows the rights and obligation of the policyholder and the insurance carrier.
Typically, car insurance claim are considered null and void if the car is driven by somebody without permission from the owner. Is also possible that there are some information that has not been disclosed or any misrepresentation on the application on the car insurance policy. If that is the case, then the car owner or the policy holder will be held responsible with any damages of injuries caused by the driver.
If you want to know more about your rights under your car insurance policy in San Antonio Texas, you may read through your policy or if you have more questions, you can contact you car insurance company, your state insurance department or your state’s consumer affairs department.
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