I don’t want the same thing to happen to me when my friend got into an accident here in San Antonio because he didn’t know what to do even though it wasn’t his fault. If the same thing happens to me, how do I file for a car insurance claim?

Mariz

San Antonio, TX

In case you get into an accident and suffer injuries, you would have to file a claim on your car insurance in San Antonio. If you are not the one who was at-fault, you could file an insurance claim against the driver who caused the accident.

At the accident site, you have to make sure that you call the police and let them write an accident report. Don’t forget to make a note of the name of the other driver, his/her contact number, address and the information about his car insurance in San Antonio. If you have a camera or even a camera phone with you, take pictures of the scene of the accident. Also, to make a record of your injuries and make sure you are checked up, you can visit the nearest hospital or clinic.

So that your claim would have all its luck to succeed, you have to inform your car insurance company in San Antonio about the accident. You would also have to prove that the other driver was at-fault during the accident. To do this, you have to determine what law the other person violated that brought about the accident. If you have done this, the claim would be filed against the other driver liable for making the accident happen.

Tags: car insurance, car insurance claim

I’m looking at the market for my classic car insurance here in Texas. What are the things that I have to take into consideration when buying my classic car insurance?

Marcus

Laredo, TX

Since you drive a classic car in Texas, you should give extra considerations on a number of things when buying car insurance. These include:

Vehicle Usage
Generally, classic cars are hardly driven on the road. The yearly driven miles for these kinds of automobiles normally scale from 1,000 to 5,000 miles so the car insurance coverage must show that limited operation.

Vehicle Storage
Classic car insurance providers usually persist that these types of automobiles should be put in storage in completely covered, protected garage if it is not in use.

Vehicle valuation
An “agreed-value” policy would be better than “stated-value” policy. Agreed-value policy gives assurance that the car insurance provider would pay the policyholder the whole amount reflected in the policy, minus the deductible, in case the classic car is totaled. On the other hand, stated-value policy is likely amenable to analysis of the value of the car in case of an insurance claim.

Vehicle condition
Car insurance providers rather give coverage to automobiles that are in outstanding form and classic car insurance providers could refuse to insure vehicles that seem to be worn or that have suffered damage.

A number of classic car insurance providers would like to be aware if there are spare parts available in case the classic vehicle is damaged and if there are car repair shops capable of fixing older automobiles in your area.

Tags: car insurance, classic car

I have collision coverage for my auto insurance here in Texas so I’d just file a claim to my own insurance provider to cover the damages on my car since the at-fault driver’s insurer denied my claim. They are saying that the accident wasn’t the other driver’s fault, what can my insurer do about that? Also, will my premiums go up even though the accident was not my fault?

Pablo

College Station, TX

You still need to pay the deductible on your collision coverage in case you have gotten into a vehicular accident that you did not cause which involves another car and you file a claim on your auto insurance policy to cover the damages on your car. However, if the other driver was really the one who caused the accident, your auto insurance provider in Texas would go after the other driver’s insurance company to recover their payment for the damages on your car as well as for the deductible that you paid. Your auto insurance provider will also let you file a claim under your uninsured motorist coverage provided that you have this in your policy. But in most states, uninsured motorist coverage would only cover the payment for injuries.

Your auto insurance rates will not essentially go up during the renewal period once you file a claim under your insurance policy because of an accident that you did not cause. Most state insurance regulations forbid car insurance providers from adding on charges or increasing their premiums for accidents wherein they were not at-fault. But these regulations don’t prevent your car insurance provider to drop your policy once it’s up for renewal in case you have filed so many recent claims. Also, if you drive in a high risk neighbourhood and are prone to being hit, even if you were not the one who caused it, your car insurance provider may find you so risky to insure.

Tags: auto insurance, auto insurance claims

My car has been insured for many years now but then I still don’t know how to make it cheaper. I’m planning to get my wife’s car insured too but I’m afraid that car insurance nowadays is really expensive. Are there any tips on how to get a Car Insurance cheaper or ways how to alleviate it here in Texas?

Jim

El Paso, TX

Definitely, everything that we need nowadays is not cheap anymore which includes Car Insurance rates. But even if this is happening in the world there are still ways to ease Car Insurance rates in Texas if you know all the information and know where to look.

First of all, you have to check first how much car insurance you would pay for the car you want to buy. In buying a car here in the State of Texas, you have to know if how much the car attracts thief, how much would it cost you for damages incurred to your car unluckily you got a car accident and how many features your car has to protect you when you are on the road such as airbags, anti lock brakes and anti-theft gadgets. With these things in mind, you will surely have the possible discount you would get. Another way to attain discount is if you have insured several cars and numerous licensed drivers in your car insurance. Credit histories are also important for it suggest that policy owners who have a faultless credit are liable to take care of troubles with the car functioning. And the most important thing is to shop around and search around for car insurance companies that have meet your needs.

Tags: car insurance, cheaper auto insurance

My sister is staying with me here in Houston Texas for the next two years and I’ve lent her one of my cars so she can go to and from school. Do you think I should designate her as primary driver of this car when I renew the auto liability insurance next year?

Addison

Houston TX

I’d love to have a sister like you, Addison! My sister blows a fuse when I even borrow one of her clothes.

Let me see, well, the rule of thumb is: she who drives the car most often should be named as the primary driver. If your sister intends to use the car everyday, then she should be designated as the primary driver then all other members of your Houston Texas TA household can be named as secondary drivers.

However, if your sister presents a higher risk than you, then you may want to rethink the rule of thumb. You see, the insurer will base its computations of auto insurance premiums on the designated primary driver’s projected mileage, age and driving experience, sometimes even that person’s credit-worthiness. You can actually check how much this impacts on the premiums by getting some online quotes. Just type in your zip code in the form on this site and you can get some free quotes from insurers in Houston Texas TA.

Whatever you decide to do, just make sure you remember to disclose all the drivers in your household so that you are not suspected of misrepresentation, which could be grounds for denial of coverage.

Tags: auto insurance, auto insurance premium, Car Insurance Company

This is the first time I’ve ever owned a vehicle and I’ve been meaning to get auto insurance but don’t know what to ask or who to ask here in Irving Texas TX. Can you please give me tips on what type of auto insurance I need to get?

Alexander

Irving Texas TX

Hi there, Alexander. Congratulations on your new car! You know, the law here in Irving Texas TX states that you can’t drive without enough coverage for damages you may inflict on people or things while driving. In fact, the law further specifies a minimum 20/40/15 liability coverage. These three numbers are often referred to as liability limits – the 20 and the 40 means that the insurer provides $20,000 coverage for each person injured with a total of $40,000 per accident while the 15 means that the insurer will cover up to $15,000 worth of damage to property. Remember that any costs in excess of the coverage would have to be shouldered by you; hence, remember to ask what other liability limit levels are being offered by your local insurer.

There are other types of coverage which you can ask about such as:
- personal injury protection;
- medical payments coverage;
- uninsured/underinsured motorist coverage;
- collision coverage; and
- comprehensive coverage.

To help you decide on what you need, I suggest that you key in your zip code in the space indicated on this site to receive free quotes from insurers in Irving Texas TX. Three or four quotes should provide you with an idea, not only of the available liability limits, add-ons and features but also the corresponding costs. A holistic approach to decision-making should give you the best value for your money. Don’t be afraid to ask your insurer for specifics!

Tags: auto insurance, First time driver car insurance, Young driver car insurance

My dad’s driver’s license is due to expire at the end of the year. We’d like to advise him not to renew it anymore because he’d be turning 75 years old. I was wondering, though, would it still be possible for him to keep the car as well as the auto insurance policy here in Pasadena Texas TX? We just want to make sure he doesn’t feel like he’s trapped at home.

Hannah

Pasadena Texas TX

Well, Hannah, there are US states which allow a person in his advanced age to own a car even without a valid driver’s license just as long as he has a state identification card. Unfortunately, keeping the auto insurance coverage is not as simple because senior auto insurance companies in Pasadena Texas TX usually require a licensed driver to be listed on the auto insurance policy. Sometimes, senior citizens who opt not to continue driving designate or name a fully licensed driver to get senior car insurance; hence, it’s not entirely impossible for your dad to continue his senior car insurance policy.

May I suggest that you first ask for quotes from at least five insurance companies which offer senior car insurance in Pasadena Texas TX. You can do that online just by entering your zip code on the form on this page. These potential insurers offer different terms and premiums based on the extent of senior auto insurance coverage you require for your dad. Don’t worry because you get the quotes for free.

The online quotes will give you a better idea of the options available to your dad in Pasadena Texas TX; once you’ve narrowed down your choices, you can probably contact the insurer directly regarding any other requirements they may have.

Tags: auto insurance, senior car insurance

My work involves a lot of driving across the State so I plan to rent a car for the duration of my contract here in Abilene Texas TX so I don’t have to worry about car maintenance. Is there some kind of insurance I can get to ensure I get my money back if the rental company gives me a defective car?

William

Abilene Texas TX

Hi William! Renting appears to be a more popular option these days. I think it’s perfect for when you only need to stay temporarily in an area for work. Besides, it saves you from having to shell out a lot of money to buy a car then quite soon after having to find a buyer for the car you can’t bring to your next destination. I agree; it sure is a relief not having to worry about maintenance, especially since you expect to drive across the state so often.

You are also right to worry about auto coverage even while you opt to use a rented car for the duration of your contract in Abilene Texas TX. You may want to consider rental reimbursement coverage – it allows you receive a specified amount to cover the costs of another rental car in case the one you were using breaks down. Different insurance companies offer different premiums and packages so you may want to compare your options. If you enter your zip code in the space on this page, you can get free quotes from insurers in Abilene Texas TX.
You may also want to look into towing and labor coverage since you expect to be driving long distances. In case your car breaks down in the middle of nowhere, it should help to ease your mind if you know you’re covered.

Tags: auto insurance, rental car insurance

I’m in the lookout for another auto insurance provider here in Baytown, Texas because I need a cheaper one. How do I compare auto insurance policies and quotes from different companies?

Nikita

Baytown, TX

Auto insurance companies offer a lot of plans to cover you insurance needs. It would be necessary that you choose an insurance policy that would fit your unique needs closely with your budget. You could compare various auto insurance plans according to your age, driving record, where you live and the kind of car you drive. The first thing that you could do to find cheaper auto insurance in Baytown, Texas is to search the web for auto insurance providers. There are a lot of websites that give details about different insurance companies. You may also speak with an insurance agent and obtain quotes for different auto insurance policies.

You may compare the premium rates for similar coverage that are offered by different insurance providers. Remember that the most affordable insurance is not automatically the best one. But the less it would cost you to obtain an insurance policy, the better you feel owning and driving a vehicle. You may also want to check for exclusions in every auto insurance policy. Once you get several quotes, you could compare each for exclusions to find out which is the best quote.

Tags: auto insurance policy, auto insurance premium, auto insurance quotes

Can I get a discount for being a woman if I get a car insurance here in Irving, Texas? I was told that women are safer drivers than men, is this true?

Marianne

Irving, TX

Certain studies have discovered that women are safer driver than men because they tend to generally wear their seatbelts and men are inclined to driving longer distances. This is the reason why women have lesser car insurance rates than men. But there are also some studies that show that females could be close in catching up with the males when it comes to getting involved on car crashes and having traffic tickets. If this continues, there will come a time that both genders would pay the exact same rates for car insurance.

If you apply for a car insurance in Irving, Texas and you’d like to get a discount, you have to speak with an insurance agent first to ask which discounts you could be eligible for. A lot of people don’t realize that they could get a break on the premium rates by having a clean driving history, having a good educational background or being part of an organization that the car insurance company endorses. If you really want to get the best rate, be sure that the insurance agent knows all the details about your automobile. Your driving and credit history, the make and model of your car are the basic information you would need.

Tags: car, car insurance, female car insurance