Vehicle Insurance Claims Houston Texas TX
Reader’s Question:
My sister recently got into an accident while driving my vehicle and she is not included in my car insurance policy. The accident however was not her fault. The repairs would cost of about $6000. I have full coverage on my automobile but I am just not sure if my insurance carrier will cover it since my sister in not included on my car insurance policy in Houston Texas. Please someone help me what I need to do.
Johnny
Houston TX
You have a lot of options actually. In Houston Texas you are required to carry property damage liability and this covers the other party’s property in case of an accident and you are found at fault. You will first need to check the other party’s insurance carrier for his property liability coverage to assist you repair the damages to your car. You will need to check with your car insurance carrier if the at fault party does not have property damage liability or no insurance at all. Since you mentioned that you have full coverage on your car, which is collision and comprehensive coverage, you may be able to file an insurance claim under your collision coverage to your car insurance company. There are sometime coverages for occasional drivers or non resident who uses your vehicle occasionally even though they are not listed in your car insurance policy. If your car insurance carrier refuses to assist you regarding your specific situation you may seek legal help to regain your loss.