insurance Texas auto
Reader’s Question:
Hi. Im 15 years old and I only have a learner’s permit. Can I get an insurance?
Rico
Thank you for asking Rico.
Adding a teenage driver to the policy on their parents can be very expensive, but it’s much cheaper than getting a separate auto insurance policy. You may speak with the insurance provider of your parents about your plan of being added on the policy if you want to be insured by your parent’s insurance carrier.
If you want to get your own policy it may be possible with just a permit but some insurance providers will require a fully licensed driver before you can apply for an insurance with them. In addition to that, since you are still a minor, you will need a parent or guardian to sign the insurance legal documents/contract with you.
Most insurance companies would require you to upgrade your learner’s permit by getting a full license within a short period of time after the start of your car insurance policy as well if you are trying to take out the policy on your own.
Goodluck!
MariCAR
Texas insurance auto
Reader’s Question:
Hi. I just got my drivers license in Texas and I just want to know if I need to be insured personally or if its okay not to get insurance for myself since the car has an insurance. Im just going to use my mother’s car for driving test. Thank you.
Daphne
Thank you for asking Daphne.
I would suggest that you check with the Department of Public Safety or TX Drivers License office to verify what proof of insurance you will need for the vehicle you will be using for the driving test. If you are using your mother’s vehicle, then it is likely that her insurance provider would require you to be added to the insurance policy for you to be covered while using her car for the driving test.
The Texas Department of Insurance states that young drivers should follow with the financial responsibility states laws, and the same applies for older drivers. However, most teenage drivers have the option of satisfying their requirements by being added to their parents’ car insurance policy. It can be expensive to add a young driver in parent’s policy, but it’s much cheaper than having a separate car insurance policy.
The TX Department Of Insurance states that, to say that a parents’ policy covers children living at the same house or away at school, even when not added on the policy. it’s still important that young drivers be listed on the policy as soon as they get their permit to drive even though children are automatically covered in the parent’s policy.
Insurance providers are required to charge the correct rate. This is based on the classifications of the drivers in your family. If the insurance company finds out that one of the driver is not listed on the policy during claim because of an accident, the company will let you pay the extra premium that should have been paid.
Goodluck!
MariCAR
Texas insurance auto
Reader’s Question:
My son lives in Colorado and I live in Texas. I want to buy a car for him. Do we have to insure the car in both locations? thank you.
Brent
Good question Brent.
No.
Normally you would not going to be able to get insurance in both states. A car is usually insured in the same state that it is registered in. Generally, this is the same state in which the car is used and is garaged. It may be difficult to insure a car that you own and will be garaged in a different state and will be used by another person. If your stepson is on the title of the car and could register it and insure it in Colorado, its probably going to be a lot easier.
If this is not an option for you, you may try getting his own insurance on the car, even though he does not have insurable interest on the car. Not all insurance providers will permit this but some companies has polices that permit an individual to insure a car without having insurable interest in it. In order to be the named insured, they will require you to have care, custody and control of the car
You may verify with the Colorado DMV to find out how you or your son can register the vehicle there or if there any options where you can have it done in the state of Texas.
Goodluck!
MariCAR
Texas car insurance
Reader’s Question:
Im a victim of a hit and run but I was able to get the license plate of the car. I only have a coverage on my car, how will I know if the driver who hit me has insurance coverage or not? I live in Texas.
Valerie
Thank you for asking Valerie
You will need to notify the police and reported the hit and run accident (if you have not reported yet) so they can investigate on what happened. The police may be able to track the owner of the vehicle, hopefully since you have license plate of the car.
According to the Texas Department of Insurance your uninsured motorist coverage will cover for the damage in a hit and-run accident only if the incident is reported to the police. Even without you having this type of coverage it is likely if you find the at-fault party that their insurance provider will require a police report on the accident.
If the driver is found and the car owner takes responsibility with the accident then you should be able to make a claim with their insurance company. If instead the police are only able to locate the car owner then you may need to check with the Texas Department of Public Safety to check if they will release the person’s insurance information that is on file with them.
Goodluck!
MariCAR
Texas insurance car
Reader’s Question:
I still have a suspended license in NV but I want to apply for license in Texas. What shall I do?
Mitch
Good question Mitch.
According to the Nevada Department of Motor Vehicle, all the states in the US have access to the National Drivers Register (NDR). The NDR is a database of all the drivers with driving problems. Problem drivers are those with convictions for serious traffic violations or those with suspended license or revoked license.
Also the NV Department of Motor Vehicles states that states may not provide a driver license to an individual if there is an active suspension or revocation in any other state. therefore if you have a suspended license in Nevada and you have yet to reinstate your license in Nevada then you wont be able to receive license in the state of Texas.
you would need to apply for a TX driver’s license in the Texas department of Public Safety. According to their site, those who has their license is suspended in driving status in another state not eligible for the issuance of a TX driver’s license. the individual must first get a clear status of driving record from their former state before they can acquire Texas driver’s license.
You will need to reinstate your Nevada driving privileges , and any issues cleared up, before you will be allowed to get a full license from another state.
Goodluck!
MariCAR
insurance car Texas
Reader’s Question:
what will happen if I cancel the sr22 before the two year period? I live in Dallas.
Dexter
Good question Dexter.
Texas provides Safety Responsibility Law or Evidence of Financial Responsibility Law for motorist whose driver license or driving privilege has been revoked or suspended.
If you want to reinstate your driver’s license or driving privileges, an original pink copy of the sr22 insurance needs to be filed and maintained with the Department Of Motor Vehicle. The mandatory period is two years from the date of the conviction.
You are also required to pay the reinstatement fee with the sr22. If you cancel the sr22 within the two year period and the Department receives notice from the insurance provider that sr22 has been terminated, suspension action will be taken.
Goodluck!
MariCAR
auto Texas insurance
Reader’s Question:
I received a ticket in Georgia but I have a license in Texas. I want to know how long will it stay in my record and if theres any way it can be remove in Georgia.
Raz
Thank you for asking Raz.
Since Texas is a part of the Drivers License Compact and the state of Georgia is not,both states still has agreements to exchange information with other state.
According to the Texas Department of Public Safety out of state violations will be place onto your Texas driving record. According to the Texas points system it is 2 points for a traffic violation in the state of Texas or that in another state.
All traffic offenses and accidents are kept on your driver’s record for 5 years by the Texas Department of Public Safety, with the exception of serious violations.
To check if there if you can remove the points from your record, you may first check with the courts in Georgia to verify if traffic school is available to remove the ticket. You would need to call the DPS to see if there are options available for you in which to dismiss the points on your driving record in Texas if in case you cannot take traffic school to remove the ticket.
Goodluck!
MariCAR
Texas insurance auto
Reader’s Question:
We are in Kentucky right now since my husband is in military but I still have the Texas license. I got a speeding ticket and I just want to know if I can enroll to any traffic school to remove the ticket? please help.
Rina
Thank you for asking Rina.
Most of the states would require you to have an in-state license to be able to take a defensive driving course so that a ticket will not be added to your driving history or points will not be assigned on the violation. States vary on their laws, so you may verify with Kentucky and Texas states to check what the regulations are in this kind of situation.
According to the Kentucky Driver Point System, 16 mph over the speed limit in Kentucky is considered a a 6 point offense.
Kentucky and Texas are members of the Drivers License Compact so that means as members of this compact agreement the departments of motor vehicles will share information regarding moving violations and notify the state in which a an individual is licensed of traffic violation.
The Texas Department of Public Safety states that they will place out of state offenses onto your Texas driving record. The points system in Texas states that it is 2 points for a traffic violation conviction in Texas or that in a different state. On the driver record , the points will remain for a period of three years from the date conviction.
Goodluck!
MariCAR
Dallas insurance car
Reader’s Question:
My car was towed in fron of my apartment because I have an expired license? is it legal in the state of Texas? I live in Dallas.
Ingrid
Thank you for asking Ingrid.
Laws in the state and other city ordinance set different requirements for towing cars. Towing a vehicle in the state of Texas is not regulated by the Texas Department of Transportation (TxDOT) . This means that they do not determine if a tow is legal or not. According to the TxDOT if a car owner thinks that their car was towed without any probable cause they may dispute the tow through the court system. The hearing can be held or the car owner may consider pursuing the issue through small claims courtsystem.
You may be able to speak to your local police or Department of Motor Vehicle and ask if you local laws states that towing a vehicle because of having expired registration is legalor not in the state of Texas.
You may also read through your lease to check if there is anything concerning any reasons the landlord can have your car towed.
Goodluck!
MariCAR
insurance car Dallas
Reader’s Question:
Who’s insurance company covers the damages if the mechanic drove my car and had an accident? I live in Dallas, Texas.
Mark
Thank you for asking Mark.
If a mechanic drove your car and had an accident you will need to check first if they have car insurance to cover the accident. The car repair shop might have a business insurance policy to cover the damages their mechanics may cause if they drive customer’s vehicle.
The car repair shop might also say that you will need to put accident through your own insurance policy. You may also contact with your insurance provider about making a claim in this kind of situation. You may also check with the Texas Department of Insurance regarding your rights as a customer in this kind of situation.
Typically, car insurance in Texas follows the car first and driver second. For instance, car liability coverage in Texas covers the driver, family members and other people driving your car with your permission. This means that if a friend drives your car with your permission and is at-fault in an accident your car insurance would kick in first and the friend’s secondary.
Goodluck!
MariCAR
