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