Auto Insurance

In Texas, the law requires drivers to show proof that they can pay for accidents they may cause. For most people, this means purchasing liability insurance. And if you still owe money on your car, the company you finance it through will likely require further insurance in the form of collision and comprehensive coverage.

If you’re the main driver in the home, but others in your household (like your spouse or teens) have licenses, it’s important to let your insurance provider know. Some companies require all drivers in the home to be named on the insurance policy. It’s better to find out now than be denied a claim because they weren’t listed on the policy.

If you have a young driver who drives their own car or the family car regularly, you’ll need to either add them to your policy or help them get one of their own. Your insurance professional will help you determine the best option for your situation and budget.

There are circumstances when your auto insurance may not cover you, so be sure to speak with an experienced Texas auto insurance professional before you commit to a new policy. Some common reasons your claim could be denied are:

• You’re driving for profit (i.e., delivery or ride sharing)
• You drive a vehicle regularly that is not your own
• You’re driving in Mexico
• The car is being used for business purposes or is a company car