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.

I need to get San Antonio SR-22 insurance to be able to drive in TX, but no one will insure me. What am I supposed to do?

Tom

San Antonio, TX

The question is, where are you looking? Instead of sticking with your usual insurance providers, start looking for companies that specialize in high risk customers with San Antonio SR-22 such as yourself and get insurance quotes from them. It will definitely cost you more, but you will be insured.

For an even expensive yet absolute option, if the above doesn’t work for you, you can purchase San Antonio SR-22 insurance by joining the Texas insurance risk pool. This will assign you where to get insurance from which you can purchase your car insurance policy.

A: The key to combining cheap San Antonio Texas SR22 filing with a new car is to make sure you get the right kind of car. If you don’t, you could be paying high rates on your car insurance policy for years, no matter what kind of insurance you have. Here are some things you want to look for in a new car if you want to save money on your San Antonio Texas SR22 filing:

• Safety. A new car should have the most up to date safety features. It should also have good scores on government crash tests, both concerning injury and damage.
• Protection. Your car should also have some kind of disabling anti theft device to protect it against car thieves. Even an older car can be useful in a chop shop, so don’t just protect cars which are new or expensive.
• Size. Size ties in with safety, because a small car is dangerous due to how easily it can be damaged, and a large car is dangerous due to how easily it can cause damage. Grab something in between if you want to save.