Houston Commercial Auto Insurance Quotes
Q: How do I know if I need Houston TX commercial auto insurance?
A: It will depend, in the end, on what you do with your car as to whether or not you should get a Houston commercial auto insurance policy. Many people who are self employed use their vehicle for business reasons, but they also use it to go to the movies or go on vacation, among other things.
If you use your car for both business reasons and for personal reasons, then a commercial auto insurance policy is not really necessary. While you may prefer to have a commercial policy for the extra protection, since you have dual purposes for your car it may only bring you a price increase.
It’s most recommendable for you to get a commercial auto insurance policy if you do a lot of driving for your business. For example, if you transport clients, are a taxi driver, a delivery person, and so on. It would also be good for you to get a commercial policy if you go on a lot of business trips in your car. Sometimes, if you are using your car for business and get into an accident, your car insurance company won’t cover the damages because that purpose wasn’t disclosed.
Do You Need Non-Owner Car Insurance In Houston Texas?
Reader’s Question:
I always borrow my neighbors’ car here in Houston, TX. Now, my neighbor told me that it is alright as long as I get myself an auto insurance. Is my neighbor joking about this or is it true that I can get an auto insurance even though I don’t own the car. If there is an insurance policy like that what are the advantages.
Harry
Houston TX
Yes there is an insurance policy like that. And it will make your neighbor more comfortable lending you his car if you own this type of insurance. It is called the non-owner auto insurance. This type of auto insurance policy will cover damage expense done on the vehicle that you don’t own if you are the one behind the wheel and you accidentally collide on something. But let me make this clear to you. Although if you accidentally damage the vehicle of your neighbor, your neighbors auto insurance policy will take effect. Your non-auto insurance policy will only take its role if your neighbors’ auto insurance policy cannot cover the damage that is done on the vehicle. For example, if the estimated cost of the damage is $20,000 and your neighbor or the owner of the car has a liability limit of $30,000, your non-owners’ policy will not be touched. But if your neighbors’ liability limit is only $10,000 then your policy will take care of the remaining deficit.
Another advantage is if you rent a vehicle. Most rental companies also sell car insurance policies that cover throughout the renting period. This may not cost much, but if you are renting too often, it will surely save you money if you have a non-owner auto insurance policy. Notice if you rent a vehicle too often and always pay additional cost for car insurance, try to sum up the additional auto insurance cost and try to compare if you can save if you had a non-owner auto insurance policy.
Driver Not Named On Auto Insurance Policy in Houston?
Reader’s Question:
What will happen if a person gets into an accident while driving an insured vehicle in Houston but he is excluded from the policy of that vehicle?
Amanda
Houston, TX
In general, insurance companies do not cover persons who are excluded in insurance policies even during the time of an accident. This rule is being practiced not just in Houston, but in other parts of Texas, as well. This is for the reason that only those who are included in the policy have the guarantee to cover future damages and that those who are excluded would have to be personally liable for the incident, and this may sound risky especially since the person’s financial liquidity would have to be considered.
So, in cases wherein the excluded driver was found to be at fault, the driver and the owner of the vehicle will both be held accountable for the damages. If the excluded driver is part of the owner’s household, the owner may have to consult with his or her insurance company to see if the excluded driver could be included in the policy so as to avoid the same scenario.
As for the violation, the penalty will only be given to the excluded driver and the incident listed only in his records. Likewise, the incident will not have an effect to the owner’s insurance policy rates since he or she was not the one who caused the accident. However, in a case wherein the other driver is included in the owner’s policy and was found to be at fault, the rates of the insurance policy would likely be affected.
Auto Insurance Accident – Do You Have To Get Name and Address?
Reader’s Question:
When an accident occurs and you don’t receive proof of car insurance, name, or address from the other motorist who hit you and they file a claim against you, can you turn them in for failing to show you with proof of their car insurance? I live in Houston.
Bill
Houston, TX
If a law enforcement officer was not contacted or did not respond then there is really no recourse you have to obtain this information.
All accidents should be reported to your insurance carrier in Houston even if the police are not called. In this manner, they have a record of your side of the accident. This also protects you from incidents such as the one you mention wherein the information later changes and they file a claim against you. You should contact your insurance carrier, if you have not yet, and tell them what happened. At this point, it will be up to a claims adjuster to decide whether or not an insurance claim can be made against your auto insurance policy. The same would also apply to the other party’s insurance company.
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