Posts tagged Insurance Policy
Car Insurance Coverage in Houston Texas
Nov 13th
Reader’s Question:
Hi, a friend recently got involved in a car crash here in Houston, Texas and although no one got hurt, the other party involved decided to file a lawsuit a month later claiming trauma. Which part of someone’s auto insurance protects you from these?
Gabriel
Houston, TX
Hello Gabriel. Getting sued for negligence and causing a car accident is a lot of people’s worst nightmare. Even if no one got hurt during the accident the trauma of the experience may set in much later and, combined with the litigious nature of our society, anyone who may have been involved in a car crash can choose to file a law suit against you. This is where the liability protection or coverage clause of your insurance policy comes in. Here’s a few recommendations on how to make sure your auto insurance protects you from paying a colossal (we really mean colossal) amount of money if you are at fault in a car accident.
Make sure you have adequate Liability insurance. For Houston, Texas then minimum liability insurance coverage amounts required by your state is 20/40/15. That means in the event you injure someone in a car crash, your insurance will award $20,000 worth of damages to each person injured up to a maximum of $40,000 for all injured people per accident. You will also have $15,000 to cover for property damages. That may sound a lot already but reality is, you can be sued for more than those minimum amounts and anything beyond your liability coverage you’ll have to pay yourself. It is highly recommended that you get as high of a liability coverage as you can comfortably afford.
Drunk Driver Auto Insurance in Houston Texas
Oct 10th
Reader’s Question:
I got a drunk driving charge here in Houston, Texas but the insurance policy is not under my name. Will the rates go up for the auto insurance policyholder?
Carina
Houston, TX
Yes, your drunk driving charge in Houston, Texas can have an effect on the rates of the policyholder if you’re a driver listed under the policy. The driving record of any licensed motorist on a policy or in a household could have an influence on the insurance rates as well as insurance provider’s choice to insure the automobile. Certain violations could cause an insurance company to turn you or the policyholder down for insurance coverage or to pay higher premiums.
A motorist with a bad driving record would be more of a risk for an insurance provider than a motorist with a clean driving record and thus their premiums are typically higher. The whole policy, therefore, could be affected by one motorist’s drunk driving charge or serious driving violation. If the policyholder’s insurance premiums increase because of your drunk driving charge, they might want to check if they can have a better rate so you can advise the policyholder to check online rates from this website.
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