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Does texas liability insurance cover a person driving your vehicle that has a out of state drivers license. What about if it is EXPIRED and OUT of STATE?
Wiki User
∙ 12y ago
It depends on why they were driving your car and on what type of insurance you bought.
If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy.
If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud.
If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
Wiki User
∙ 12y ago
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Driving without insurance in Texas?
Yes, recent estimates are that as much as 30 percent of the drivers in Texas are withot the state required liability Insurance.
Drivers become subject to the liability insurance law when accident damages amount to?
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
You have a good track record with regards to your drivers license and if you had an accident with an expired drivers license and renewed it the next day after the accident will the insurance pay out?
If you were driving with an expired drivers license they will not insure you so if they find out you are up s--t creek. what they may do is ask you for your drivers license record up to date and then they will spot it. If you are lucky they wont. However they have not paying insurance down to a fine art.
If you are driving someone else's car does your liability insurance pay repairs to the vehicle you are driving?
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Will liability auto insurance policy cover a person driving your car if they have an out of state drivers license or an expired license?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
If you have a drivers permit but you are not driving do you have to have insurance?
no
How can Churchill insurance be beneficial to a young driver?
On their website, Churchill insurance offers many tips to young drivers on how to reduce their risk and liability. They also offer a lot of information about safe driving practices.
When a teen turns 18 what are my financial resposibilities for driving in California?
Responsibilities for 18 yr old drivers is that they have insurance (liability or full coverage) and that they have current registration and tags
Driver become subject to liability insurance law when accident damages amount to?
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
Will liability insurance pay on a stunt driving charge?
Absolutely not, your liability insurance does not cover the costs associated with willful criminal acts of the insured.
Where can you purchase insurance without a drivers license?
If you have no drivers license then you have no business driving a vehicle, therfore you do not need insurance.
Guide to Cheap Liability Car Insurance?
The term liability is a legal term that refers to a person's responsibility for injury or loss caused to another person or to another person's property. Each person who causes an accident is therefore legally liable for damages done to another person or their property. Liability insurance is coverage a car insurance company provides to its insured clients in the case that the insured causes an accident. Each state in the U.S. has enacted minimum liability car insurance laws that require drivers to pay for and carry liability insurance protecting those whom they may injure from damages. Most states have enacted minimum liability limits for the following: medical costs minimums for a single or multiple passengers property damage minimums The minimum coverage amounts required by minimum liability insurance vary from state to state, but drivers are typically required to pay for and maintain liability car insurance at a minimum. Stiff penalties are also levied on drivers who let their liability insurance lapse or fail to carry proof of that insurance in their vehicle. To obtain cheaper liability car insurance, drivers can follow these rules: Keep a clean driving record, free of speeding tickets, law enforcement traffic stops, and accidents. All of these can cause a driver's car insurance company to increase their liability insurance premium rates. Drive an older, safer vehicle. Car insurance companies rank the cost of car insurance premiums based on a variety of factors, but driving an older, safer vehicle is one of the ways drivers can obtain cheaper liability car insurance. Vehicles with lower horsepower are relatively less likely to be involved in accidents, so the statistics indicate that these vehicles are less risky to insure. Stay free of alcohol and drugs. A single DUI, or Driving while Under the Influence of alcohol or banned substances, can increase your liability insurance premiums dramatically. Cheaper liability car insurance can be researched over the Internet. With a great number of insurance companies, and brokers who represent a wide number of insurance carriers, making their coverage and premium rates available for comparison, consumers are now at a great advantage to shop around and obtain the least expensive liability car insurance.
