Houston SR22 Insurance
Q: What is Houston SR22 and how much is required?
A: When your driver’s license is suspended in Texas, here are certain consequences in the form of higher car insurance requirements which you must hold for two years after the date of your license’s first suspension. This special requirement is called the Houston SR22 form, and it must be filed by your car insurance company with the Texas DPS if you want to have your driver’s license’s workability returned to you.
Houston SR22 car insurance is costly, and although you don’t have to have more coverage than usual, you are required to keep paying on it and will be caught immediately if you fail to continue being insured. If you don’t pay your car insurance premium, your coverage will be canceled and your driver’s license resuspended along with it.
As for the required minimum car insurance for your Houston SR22 policy, you will have to follow Texas insurance laws which require you to have a total of seventy five thousand dollars in coverage, which breaks down to forty thousand bodily injury liability per accident, with twenty thousand allotted per person, and fifteen thousand dollars of property damage coverage.
Houston Term Life Insurance With No Exam
Reader’s Question:
I am 40 and am on my way to purchasing a policy. I would like to know about term life insurance no exam deals. Could you tell me how to save on my term life insurance purchase?
Gregory
Houston Texas
A term life insurance no exam deal allows you to avail insurance without needing to present a medical certificate. The carrier will only do some research regarding your healthy history. They will be doing all the research so the only thing you have to do is answer a few questions during your application. Since the companies will have to retrieve your medical history, you must grant them access to your previous medical files. They will retrieve these records from hospitals and clinics where you have records in.
A term life insurance no exam deal provides you with a lot of convenience but it comes with a higher premium. However, you may find worth engaging in it since you will not be bothered anymore by having to acquire a medical certificate. You will no longer have to take a day off or skip a weekend trip to spend time in the clinic.
A term life insurance is less expensive compared to lifelong policies. Its coverage is temporary but you may choose to have it converted into a permanent policy when you already have enough money. Because you are yet to buy a term life insurance, decide now on how much coverage you really need. Never waste your money on paying for unnecessary coverage
For applicants 50 and above, it is best to buy lifetime insurance instead. However, since you are still below that age, a term insurance is suitable for you. If you do not have any major health problem yet, then now is the time to purchase insurance. Your premium increases with every medical or health problem that you have. Companies compute your premium according to your average age. That is, they will age you 41 even if your birthday is still five months away. If you can do these things, you can cut off significant costs on your term life insurance no exam deal.
Liability Only Car Insurance Will it Cover Hit and Run Accident?
Reader’s Question:
I got involved in a hit and run in Houston. I got the other person’s license plate number. I have the liability car insurance on my vehicle which will not cover a hit and run. How can I know out if the individual that hit me has car insurance or not?
Anna
Houston, TX
If you have not yet reported the hit and run you should do so as soon as possible by calling the Houston law enforcement agency so they can investigate. With the license plate number you have for the at-fault motorist in the hit and run, hopefully the police can track down the owner of the vehicle.
According to the Texas Department of Insurance, your uninsured motorist coverage will pay for your damage in a hit and-run accident only if the accident is reported to the police. Even if you don’t have this type of coverage it is likely if you find the at-fault car owner their insurance provider will require a police report on the accident.
If the motorist is found and the car owner takes responsibility then you should be able to place a claim with their insurance company. If instead the police are only able to find the owner of the car then you may need to check with the Texas Department of Public Safety (DPS) to see if they will release information on the person’s car insurance information that is on file with them.
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