Auto Accident With Borrowed Car in Texas
Reader’s Question:
If I took my girlfriend’s car without permission in Fort Worth, Texas and got into an accident will her auto insurance company still cover the vehicle if I am not a listed driver?
David
Fort Worth, TX
No, it is unlikely that you will be covered for this type of accident.
There are a couple of reasons why your girlfriend’s insurance carrier would usually deny insurance claims arising from an accident where you were driving without permission and as an excluded driver. Normally to accept a an insurance claim you must be a permissive driver, and that means the vehicle owner gave you permission to drive the car. If you took the vehicle without permission, therefore either stole the vehicle or had unauthorized use of it then her insurance carrier could deny insurance claims.
Another reason is that you are an excluded driver. You should know that if you were excluded from her car insurance policy it means that you would not be extended any car insurance coverages if you drive the car. This means if you operate it with permission, without permission, or in an emergency, etc.
If you did take your girlfriend’s car in Fort Worth, Texas and cause an accident then likely you will be held personally liable for all the damages you caused to her vehicle and anyone else.
Tags: auto insurance
Auto Insurance Claims Fort Worth, Texas TX
Reader’s Question:
If you’re in an auto accident do you have to report it to my insurance company? If someone was insured can she use her medical coverage in place of auto insurance for a person who was driving? I am afraid medical insurance will deny my insurance claim in Fort Worth, TX..
Bill
Fort Worth, TX
Yes, you do have to report this accident to your insurance carrier in Fort Worth, TX. This situation will be able to handle by a licensed claim adjuster appropriately. In most situation, the insurance carrier that gives your medical coverage will begin to pay after you have exhausted any benefits available under your car insurance policy.
You should contact your auto insurance agent or insurance carrier as soon as possible, regardless of who is at fault. To know whether you are covered for this loss contact your insurance provider. Even if the accident appears minor, it is essential that you let your insurance carrier know about the incident.
Tags: auto insurance claims, car insurance
Cheap Car Insurance Quotes in Fort Worth Texas
Reader’s Question:
Currently, I do not own any cars but I wanted to know if there was a way of getting cheap car insurance quotes in Fort Worth depending on the vehicle?
Hayes
Fort Worth, TX
Yes, there is a way to determine what your car insurance rate premium would be based on the vehicle you believe you may buy in the future.
If you have certain automobiles in mind that you are interested in buying and want to know which would be cheaper to insure you can obtain car insurance quotes for each vehicle individually.
You can get a car insurance quote here by entering your zip code in Fort Worth. You can get unlimited number of car insurance quotes. Just change the car information to know the different costs for different makes and models.
Tags: car insurance cost, car insurance quotes
