What if I am in an at-fault accident and I cause more damage (either bodily injury or property damage) than my policy limits cover?" The answer to this question is as follows: YOU are personally responsible for any damages incurred as a result of an accident in which you are found to be at fault. You can be legally sued in court for damages over-and-above of your Texas auto insurance policy limits. Your insurance company is no longer liable to pay any damages after your limits of liability have been exhausted (maxed out).

There are four main considerations you need to take into account when picking your auto insurance or car insurance company in Texas. All are important: Price, Longevity of Insurance Company, Service, and Comfort Level. At Texas Insurance Zone we strive to help auto insurance quote and car insurance quote shoppers make better decisions involving these four principles. Our instant Texas auto insurance rate calculator will help you review auto insurance prices, car insurance rates, and coverage levels. Texas Auto Insurance and Car Insurance programs protect automobile owners and drivers in the state of Texas from experiencing personal financial setbacks if you they involved in an automobile accident.

After a car accident, I had my car repaired at a body shop my insurance company referred me to. But I'm not happy with the work that was done--is there anything I can do about it?

Broken windshields and other glass are typically covered under the comprehensive coverage portion of an auto insurance policy. Comprehensive generally provides coverage for physical damage to your vehicle caused not by a collision with an object or another vehicle, but by a variety of other specific perils. This type of coverage is optional in most states and, if purchased, will usually raise your premium and carry deductibles. It may or may not be cost effective, depending on the value of your vehicle.

Actually, it's very unlikely that any type of insurance would be canceled after you file a single claim. However, filing a claim could increase your premium on certain types of insurance. For example, your auto insurance premium will almost certainly increase after an accident, especially if you're at fault. The reason for this is simple: actuarial evidence indicates that people who have had accidents in the past are more likely to have accidents again in the future. This means the insurance company could see another claim from you someday, so there is a logical reason to charge you more for insurance coverage. The big question is how much your premium will increase. This is more difficult to anticipate, because insurance companies can use different formulas to calculate rate increases.

If your son is borrowing your car to take with him to college, he must be listed as either a principal driver or an occasional driver on your insurance policy. Most insurance companies will consider someone as the principal driver on the policy if he or she: Is the registered owner of the vehicle, Drives the vehicle to work or school, or Drives the vehicle more than anyone else.

The connection between a driver's safety record and credit rating is not readily apparent to most. Many consumers feel that insurance companies are intrusive when they request such information on an automobile insurance application. Insurance companies explain that credit information is needed to make a complete risk analysis when evaluating an insurance application.

In most states, the motor vehicles department has a "point" system, which is used to track your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.

You're right to be concerned for your son, but he can probably find an insurance policy even if he's been driving without one for some time. The real question is: How much will it cost him? Before issuing a policy, insurance companies generally do a thorough investigation of a driver's record and prior claims history. They will check to see whether your son has gotten any tickets in the past several years or whether he has reported an unusual number of accidents. When they discover that he doesn't have a prior claims history (because he hasn't had insurance), he'll probably be classified as a high-risk driver--even if he has a clean driving record.

It depends upon your father's abilities. While the eyesight, hearing, reflexes, and other faculties of some seniors are more than adequate for driving, the driving abilities of other individuals may deteriorate badly with advanced age. Numerous states have instituted more stringent license renewal policies for elderly drivers, such as more frequent and in-person renewals, eye tests, and driving tests upon reaching a designated age. When measured by crashes per mile driven, drivers between the ages of 25 and 64 have a fairly constant rate of accidents. This rate begins to rise at age 70, and goes up rapidly at age 80. Even more alarming is the fact that drivers 85 and older are 11 times more likely to be killed in a crash than any other age group. This is generally attributable to increased physical frailty.