Will My Insurance Cover Me if I Drive Someone Else’s Car in Texas?

Driving a car you don’t own can be nerve-racking, especially if you’re unsure whether you’re covered by your insurance. This is a common situation for many Texas drivers who occasionally need to drive a friend or family member’s vehicle. The good news is that in many cases, your auto insurance policy will provide coverage when you drive another person’s car. However, there are some important factors to be aware of. Let’s answer the question: will my insurance cover me if I drive someone else’s car in Texas?

How Insurance Works When Driving Another’s Car

In Texas, auto insurance follows the driver, not the vehicle. This means your own personal auto policy extends liability, medical payments, and uninsured/underinsured motorist coverage to you when driving someone else’s car. However, there are some caveats:

  • You must have the owner’s permission to drive the vehicle. Driving a car without the consent of the owner would be considered auto theft, which no insurance policy covers.
  • The owner’s policy does not extend coverage to you if you cause an accident. You must rely on your own policy. Contact us today to work with a car accident lawyer Dallas TX in this situation.
  • Insurance coverage can vary based on the specifics of your policy. Not all policies extend full coverage when driving other cars.
  • Physical damage coverage usually only applies to the vehicle listed on your policy, not other cars you drive. You likely won’t have coverage for damage to a car you don’t own.

So, in essence, your liability coverage moves with you to another car, but other protections may not. It’s important to understand exactly what your insurer does and does not cover when driving other vehicles.

Common Situations Where Coverage Applies

There are a few common situations where Texas drivers can expect their auto policy to provide coverage when using someone else’s car:

Borrowing a Friend or Family Member’s Car

If you borrow a car from a friend, family member, or other acquaintance for a short time period, your policy will extend liability and other coverage to you while driving that vehicle. This assumes you have permission to use the car. Your policy will protect you if you cause an accident.

Just keep in mind that you typically won’t have coverage for damage to the vehicle you borrowed unless you purchase rental or non-owned auto coverage. Also, the owner’s insurance would not cover you either. In the event of an accident, contact us for a free consultation with a car accident attorney Dallas TX.

Driving a Rental Car

When you rent a car, your personal auto policy provides liability, medical payments, and uninsured motorist coverage. However, many insurers require you to purchase supplemental liability coverage from the rental company for optimal protection.

It’s also wise to consider the rental company’s loss damage waiver, which covers damage to the rental vehicle. Otherwise, you may be responsible for repairs if the rental gets damaged or stolen. Check with your insurer about rental car coverage.

Using a Car Owned by Someone Living in Your Household

If someone you live with, like a spouse, parent, or roommate, owns a car that you regularly use, you should be covered by your personal auto policy while driving it. Again, this assumes you have permission to use the car. But always verify this coverage. A vehicle accident lawyer can help you understand your policy.

When Coverage May be Limited

While your auto insurance will often extend to another person’s car, there are situations where coverage could be limited or excluded:

  • If you use a car owned by your employer for personal errands, a business use exclusion may apply. Business uses are typically excluded. If you are involved in an accident while using someone else’s car for business purposes, contact an automobile accident lawyer.
  • If the car owner’s policy has lapsed, your coverage while driving their car may be limited or denied.
  • If you use a car without permission, your insurer will not cover you due to auto theft.
  • Mechanical breakdowns to a car you don’t own are not covered by your auto policy.
  • Your insurer may cap physical damage coverage for non-owned cars at a lower limit.

Whenever you are driving a car you don’t own, it’s wise to confirm the details of coverage. Never assume you’ll be fully covered in all scenarios.

Steps to Take Before Driving Another’s Car

To make sure you’ll be protected if using someone else’s vehicle, follow these guidelines:

  • Verify current auto insurance coverage with your provider, ideally in writing. Ask about any exclusions or limitations and have a road accident attorney clarify if needed.
  • If you drive a car owned by a household member, have them add you as a listed driver on their policy. This prevents issues proving you had permission.
  • Inspect the car before driving it. Take pictures documenting any existing damage.
  • Ask the owner if they have appropriate physical damage coverage in force. Be prepared to pay for repairs yourself otherwise.
  • Avoid driving borrowed cars for any excluded business uses not covered by your policy. These include deliveries, transportation network companies, etc.
  • Purchase non-owner car coverage or a named operator policy if you regularly drive other people’s vehicles. This provides optimal protection.

By taking a proactive approach before driving a borrowed car, Texas motorists can ensure there are no unpleasant surprises if an accident or claim occurs. Speak with a trusted insurance agent for guidance about non-owned auto coverage.

Factors That Affect Coverage When Driving Another’s Car

Insurance can get complicated quickly when driving a car you don’t own. Here are some key factors that influence the coverage you’ll receive:

  • Your policy limits: Higher liability limits provide more coverage when driving other cars.
  • Permission to use the vehicle: Coverage only applies if the owner gave you express consent to operate their car.
  • Age and driving record: A clean record helps maintain coverage when using other cars.
  • Types of coverage purchased: Comprehensive and collision may not extend to a non-owned car.
  • Relationship to the policyholder: Some insurers limit coverage for non-relative drivers.
  • Length of use: Occasional borrowing is viewed differently than regularly driving a car you don’t own.

Understanding how these factors work is crucial for determining the protection available from your insurer. When borrowing a car, always check in advance with your insurance provider about coverage specifics. Don’t just assume you’ll be covered.

Have you been involved in an accident while driving somebody else’s car? For confidential advice, call Karns & Karns Personal Injury and Accident Lawyers on (888) 779-1180.

What is the Time Limit on A Liberty Mutual Auto Insurance Claim?

Liberty Mutual is considered among the top providers of insurance worldwide, and it has a reputation for excellent products and outstanding customer service. Whether you need life, commercial, auto, or home insurance, this provider will have you covered. When you’ve experienced an auto accident and need to file a claim through Liberty Mutual, you must keep the strict time limit in mind. Insurance contracts often have clauses that all accidents must be reported within 24 hours of the crash.  However, the failure to do so has essentially no consequences on you claim.

 

Why is Auto Insurance Important?

Auto insurance is mandatory under federal law for all motorists, and not having it can lead to hefty penalties including fines and driving bans. However, the need for appropriate cover runs much deeper than the legal ramifications of not. For example, if your vehicle is stolen or involved in an auto accident, an insurance policy gives you financial protection. The types of damages covered by auto insurance include:

  • Property damage.
  • Medical expenses.
  • Loss of earnings.
  • Pain and suffering.
  • Personal liability.

When Should Motorists Claim on Insurance?

When you’ve been involved in an accident, your vehicle has been damaged, or your car has been stolen, you will need to claim insurance. To ensure the best results, it’s important to start this process swiftly. However, we understand how traumatic accidents can be, which is why our expert road traffic accident lawyers will speak on your behalf every step of the way.

 

What Is the Liberty Mutual Insurance Time Limit?

Every insurance company has a strict set of rules that policyholders must follow, and Liberty Mutual is no different. Unfortunately, there isn’t a one fits all answer to this question, as it all depends on the extent of the policy and what sort of incident is being claimed for.

In most cases, Liberty Mutual advises all policyholders to file claims as soon as they can following an incident. To find out the time limit (claims window) for your specific policy, it’s always best to read all official documentation in full. Alternatively, you can give our motor vehicle accident lawyers copies of your policy and we will make contact on your behalf.

 

Why Is Sticking to The Claims Window Important?

Rules and regulations are in place to ensure a smooth operation and to keep motorists safe, which is why it’s important to stick within the claims window. Here are some more reasons why your claim must be filed on time:

  • Circumvent disputes. When you file claims on time, you avoid getting into disputes with Liberty Mutual, which strengthens your case.
  • Preserving evidence. The success of an auto accident claim is determined by the quality of evidence – time has a way of allowing evidence to weaken.
  • Eligibility. Having a claim denied comes with a terrible feeling and a world of stress, but it’s what will likely happen if you file a claim past the deadline.

How to File Your Liberty Mutual Insurance Claim

Understanding why it’s essential to file your claim within your given window is only half of the battle, you have to know how to file your Liberty Mutual Insurance claim.

 

Safety First

When you’re involved in an auto accident, your personal safety is the most important factor. If you’re able to, move your vehicle to safety and turn the hazard lights on – then you have to find a safe space away from the road and assess for injuries.

 

Incident Reporting, Information Gathering, Medical Assessments

Federal law dictates that all auto accidents must be reported to the police in the event of property damage, injury, or death, so make sure you call 911 to report the incident. While you’re waiting for the police to arrive, begin gathering essential information:

  • Contact and insurance information for all involved.
  • Photos and videos of the scene from every angle.
  • Details for any potential witnesses.
  • Document information about how the accident happened.

When the police arrive, it’s important to make sure you speak to them in as much detail as you can – you will need their investigative report to win your insurance claim. Before you leave the scene, make sure you collect the police incident number because you need it to file your claim.

Regardless of how serious you feel your injuries are, it’s essential to have a thorough medical assessment. As with the police incident number, make sure you retrieve your medical records.

 

Communicating with Liberty Mutual

Now it’s time to contact Liberty Mutual to notify them of the incident. If you have been hurt in a car crash you should consult with an experienced personal injury attorney before speaking with any insurance company.

Once Liberty Mutual has all the information by way of your attorney, all injuries and damage sustained will be assessed by an insurance adjuster. As with every other step, it’s important to be open and honest with any questions they may need to ask.

After the assessment process has finished, a Liberty Mutual representative will liaise with your lawyer to reach an agreement for compensation and repairs.

 

Why You Need a Car Accident Lawyer

Even though you can deal with Liberty Mutual without legal support, that doesn’t mean you will receive fair compensation. Some insurance companies will manipulate auto accident trauma to push for an inadequate settlement.

To avoid being handed an unfair compensation rate, contact us for a free consultation. When you choose to put your trust in us, we bring you the best car accident attorneys with a proven track record of success.

Even though winning the claim can help rebuild your life, we know that it’s not all about the money, which is why we offer free consultations and a “no fee unless you win” policy. You have absolutely nothing to lose, but a lot to gain. Additionally, we approach every case with compassion, which is why we treat every case individually and work hard for your cause.

Having auto insurance protects you and other motorists, and Liberty Mutual is an excellent option. As with any insurance provider, all you need to do is follow the rules outlined in your policy, which includes the claim window.

Call Karns & Karns Personal Injury and Accident Attorneys now at (888) 779-1180 for a free consultation.

What the Insurance Companies Don’t Want You to Know

When you purchase insurance for your car, in theory, the insurance company is there to help you as the policyholder if you get into an accident. If you are involved in a car accident or sustain a serious injury while driving, then you will need to file a claim with an insurance company in the hope of receiving compensation for any medical expenses you have incurred, loss of income due to not being able to work while you recover from the injuries, and pain and suffering.

Unfortunately, the truth is that insurance companies are more interested in making a profit than they are in helping you. For that reason, there are quite a few things that your insurance company doesn’t want you to know. If you were aware, then you’d be standing in the way of them making money!

So, what are some of the things that insurance companies would rather be kept a secret? Read on to find out more.

 

What You Say Can be Used Against You

After a car accident, your insurance company may ask you to provide a recorded statement addressing what happened and the damage that was done. However, you are under no legal obligation to do this, and it is recommended that you don’t unless you’re doing it with a personal injury or car accident attorney who can help you make sure that you are describing the accident in a way that does not incriminate yourself. In fact, even casual remarks that you make while talking with claims adjusters can be taken as formal statements – especially if you are speculating about whether or not the accident was your fault or describing your injuries. Because of this, it’s important to only stick to the basics when talking about your claim and consult a car accident attorney before giving any statements.

 

Insurance Adjusters are Great At Negotiating

After a car accident, you might simply want to get your money and move on with your life – and the claims adjuster will know this. They might pressure you to accept a settlement offer or even give you a deadline, telling you that you only have a few hours to accept or that this is the best offer that they can come up with. However, it’s best to avoid falling for these tactics and don’t accept the first offer you are given. If you are not confident when it comes to your negotiation skills to get a better offer, you have the right to seek outside counsel and hire a car accident lawyer to negotiate on your behalf.

 

Adjusters Might be Lying to You

Don’t assume that your insurance adjuster is always being truthful with you when it comes to talking about your claim. For example, they might use information that they know about you, such as existing health conditions to tell you that you are not going to be able to make a claim for the injuries you have suffered in the car accident. However, this is not always the truth. There are lots of things that insurance adjusters might say to you in the hope that you don’t know any better and to see if they can get away with it, which is why it’s always best to have an attorney liaise with them on your behalf.  Insurance adjusters are sales people. They want to sell your claim for the lowest price possible.

 

Claims Adjusters are There to Make Money

We’d all like to believe that the insurance company is there to help us. However, the truth is that most of them have the main goal of simply making money for the company. While the claims adjuster might seem like a nice and helpful person while you are speaking to them, their main job is to try and reduce your claim as much as possible, or even try to have it completely denied. Bear in mind that the insurance company does not make any money from helping you, and the claims adjuster works for them.

 

They Hire Doctors to Find Pre-Existing Injuries and Minimize Your Claim

If you allow your insurance company access to your medical records when you sign an authorization form, then they are going to use this to find as much information as possible to minimize your claim. To do this, they will often hire doctors who are there to look through your medical records to try and find any records of a pre-existing condition or injury that they can use to throw doubt on your claim. They might then use this to claim that your injury is not as severe as you say it is. Even if your own doctor is backing you up, the insurance company will hire their own doctors to try and contradict this.

 

They Don’t Want You to Hire a Lawyer

If you have been involved in a car accident, then the first thing you should do is hire a personal injury lawyer. However, your insurance company might want to try to convince you from doing this. They might tell you that hiring a lawyer isn’t worth the cost or that having an attorney is unlikely to help you get a better offer. In most cases, they are hoping that you don’t hire a lawyer so that they are less likely to have to pay out a decent settlement for your case, hoping that without legal counsel you may agree to a seriously low-ball offer just to get it over and done with. Don’t fall for it! Hire an experience personal injury attorney.

 

You Can Sue Insurance Companies for Unethical Practices

Any practices that act against the best interests of the policyholder are considered to be unethical insurance practices. Insurance companies should always act in accordance with accountability laws, but some assume you won’t know about them. A good lawyer will help ensure that your insurance company is held accountable if they act in a way that is against your best interests.

If you’ve been involved in a car accident, Karns & Karns Personal Injury & Accident Attorneys can help you make sure that you’re not falling foul of these insurance company practices. We can liaise with the insurance company on your behalf. Get in touch today for a free consultation and to find out more. Call Karns & Karns Personal Injury & Accident Attorneys now at 877-557-4221.