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Does Texas Car Insurance Cover the Car or the Driver?
Understanding whether Texas auto insurance follows the car or the driver depends on permission, policy terms, and state rules. In most cases, coverage follows the vehicle first, but exclusions, commercial use, and borrowed-car scenarios can change who’s protected and which policy pays after an accident.
Read MoreCan You Change Insurance Agents Within the Same Company?
You can switch insurance agents without changing companies by submitting a Broker of Record letter. Your coverage stays the same while your new agent handles service and support. It’s a simple way to get better communication, guidance, and overall insurance experience.
Read MoreTexas Car Insurance – What does it cover? Fines and Rules
Understanding Car Insurance: A Comprehensive Guide Whether you’re a seasoned driver with decades of experience or a newcomer to the world of driving, one fact remains unchangeable: accidents can occur when you least expect them. This inherent risk is why nearly every state in the U.S. mandates that vehicle owners and drivers maintain some form…
Read MoreComprehensive Guide to Flood Insurance in Texas: Protecting Your Home from the Unpredictable
In Texas, as in most parts of the U.S., standard homeowners insurance policies do not cover flood damage caused by external sources, such as heavy rains, storm surges, or the overflow of rivers and lakes. If you want protection from flood damage in Texas, you typically need to purchase a separate flood insurance policy. Here…
Read MoreDoes Insurance Cover Hail Damage in Texas?
Hailstorms in Texas can seriously damage homes and cars in minutes. Homeowners insurance typically covers hail damage to your house, and comprehensive auto insurance can cover your vehicle. However, rising premiums mean it’s important to be strategic about filing claims. In this guide, we’ll explain how coverage works, when it’s smart to file, and tips to protect your property before the next big storm hits.
Read MoreHow To Switch Car Insurance in Texas
Switching your auto insurance company can be done, but that doesn’t mean it’s something you do every day. When you are thinking about making the switch, you’ll want to be sure that you have a valid reason and plan to do so.
Read MoreHow to Avoid Paying Too Much For Car Insurance
The good news is that drivers have plenty of ways to avoid paying too much for car insurance. Although finding cheap car insurance may feel like a pipe dream for many, there are practical ways to save money.
Read MoreAuto Insurance for Teens and Young Drivers in Texas
Teens entering the driving world may not command the same buying power or knowledge about how auto insurance works as their older counterparts. Cheap car insurance for teens is not impossible to find, but overall, you can expect to pay higher premiums as a newer driver. Get to know everything you need to know about the coverage teen drivers need and how to save more for your policy.
Read MoreDo Auto Insurance Companies Use New or After Market Parts?
Auto insurance companies can use either Original Equipment Manufacturer (OEM) parts or aftermarket parts when repairing a vehicle after an accident, depending on the circumstances, policy terms, and applicable laws in your jurisdiction. Original Equipment Manufacturer (OEM) Parts: These are parts made by the vehicle’s manufacturer or an authorized supplier. They match the parts that…
Read MoreTexas Umbrella Insurance Policy Facts
Umbrella Insurance is additional insurance that provides protection beyond present limits and coverages of other policies. It offers coverage for injuries, property damage, lawsuits, and personal liability situations. They also cover claims in excess of regular homeowners, auto, or watercrafts. Also, an Umbrella Policy covers other family members or household besides the policyholder. Is Umbrella…
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