i have 3 cars insured,can eney one drive them here in texas.

by mrschro1 » Mon Jul 20, 2009 12:25 am

driving my cars

Total Comments: 7

Posted: Mon Jul 20, 2009 11:51 am Post Subject:

Most likely 'occasionally' if a vehicle is available for someones regular use they should be a listed driver on the policy. Are you one person with three vehicles?

Posted: Mon Jul 20, 2009 04:58 pm Post Subject:

In addition, make sure that they are indeed a licensed driver and that they are not under suspension or anything similar. The car is ultimately your responsibility, and if something happens then it's your insurance company that is going to have to pay and charge you more as a result in the event of a claim.

Posted: Tue Jul 21, 2009 03:02 am Post Subject:

Most likely You should have the name of driver included in the policy. In any case these are your cars and from insurance point of you majority of the risk is on you.

Posted: Tue Jul 21, 2009 11:31 am Post Subject:

Hi..
It's better you allow only such persons to drive your cars, who are listed. People who share the same household are most likely to share your vehicles. This way you'd bear lesser risk towards meeting liability claims in the future.

Posted: Tue Jul 21, 2009 07:59 pm Post Subject: Great question

A change in Texas law took place back in 2003 with the passage of Senate Bill 14. This law allowed Texas insurance companies to customize their auto insurance policies, meaning they could change who and what was covered, as long as the Dept of Insurance approved the changes. Since that time, many companies have changed how coverage applies for drivers. Some insurance companies go so far in stating that unless the driver is specifically listed on the policy, there is little to no coverage while on the other end of the spectrum some insurance companies allow coverage to apply to all household residents and anyone with permission to drive the vehicle.

I highly recommend you contact your agent or the insurance company you are insured with to get an accurate answer. No one can answer this question with any certainty unless they know who you are insured with and are fluent with their policy provisions.

In the meantime, while it does not include every insurance company in the State of Texas, you can also checkout http://www.opic.state.tx.us/autoic.php. This site will allow you to compare auto coverages of several companies.

AnMarie B


Web address deactivated as per the forum rules

Posted: Wed Jul 22, 2009 01:37 pm Post Subject:

Hi AnMarieB,

Why do you think such differences exist between insurance companies in Texas?

Purpleheaded08

Posted: Wed Jul 22, 2009 03:11 pm Post Subject:

It's funny you ask. To keep my designation current, I'm required to attend classes annually. It is a national designation, so often times either the instructors or other participants are from out of state. Every class I attend I always hear "This applies to every state except Texas."

Now with regards to filing your own forms (companies being allowed to change the policy language) it is my understanding Texas was actually catching up with the rest of the nation when that law was passed. I began my insurance career in Florida in the early 90s. FL allowed companies to file their own forms. I actually found it odd when I moved to Texas that they restricted companies to all have the same language.

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