How do car insurance companies handle claims when one of their clients are struck by a driver who doesn’t have car insurance? Most people never think about this, but I see it several times a year as the Dallas / Fort Worth area has historically had the highest percentage of drivers without car insurance, or uninsured motorists, in Texas. The only time most people think about this after they’ve been hit by an uninsured driver.
How many deductibles does your Texas car insurance policy have? That depends on the coverage you selected when you purchased your policy. There are up to three deductible types available on most Texas policies including comprehensive, collision, and uninsured motorist. Before outlining each one, let’s first examine what a deductible is.
A client called me a couple of weeks ago. He’d been rear-ended by another person who said he had car insurance, but he didn’t. Their car insurance had been cancelled due to non-payment which meant my client had to file a car insurance claim on his policy where someone else was clearly at fault. This type of claim is referred to as an uninsured motorist claim.
I got a call from a client on the Friday after Thanksgiving. He’d been hit on Central Expressway in Dallas after some Black Friday shopping by someone with no car insurance. The person who hit him was driving a pickup truck that rear ended him and then did some damage along the side of his car when he took off. He wanted to know what to do.
The Texas Department of Insurance recently released a report detailing the number of people driving without coverage. The good news is the number of Texans driving without car insurance is still lower than it was a few years ago when it was over 20% of all Dallas drivers. The current figures show 1 in 6 people on Dallas roadways don’t have car insurance and this number is even higher than it was last year.
Last week I posted 6 Non-Driving Factors That Impact Your Car Insurance Rate, http://50.87.248.161/~wiseinsu/6-non-driving-factors-that-impact-your-car-insurance-rate/, and thought I’d follow up with the 3 driving related factors that impact your car insurance rate. These are …
Early in my career, I got a phone call from a person who wanted to buy insurance. She was a little distraught at the time so I took a few moments to help her slow down and breathe. Once she took a deep breath I began to get the information I needed to provide her with a quote for insurance.
The last piece of information she provided was that she’d just been in an accident, was calling me from the scene, and would the policy we were discussing cover the damage to the other person’s car and hers?
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