Cheap Auto Insurance For Married Couples in Texas
Reader’s Question:
Does an unmarried couple residing in Abilene Texas who’s been living together need to share the same policy if they each have their own car? Is it cheaper?
Jeremy
Abilene, TX
Insurance companies tend to favor two-car policies and often offer discounts. What you can do is to compare rates from different auto insurance providers in Abilene Texas to see if it’s cheaper to combine or have separate insurance. Be aware that in calculating insurance premiums, each driver and each vehicle will be rated separately. It would be even better if you own a house together and use the same carrier for your homeowner’s and auto insurance.
Usually if your insurance company knows that you’re living in with someone, they will ask you to add that person either as explicitly included on your policy (listed as a driver and their driver’s license rated) or EXCLUDED (not allowed to drive the car and not covered if they DO drive it).
When deciding whether or not to combine your insurance policies, you may want to consider NOT mentioning that you live with someone who has a bad driving record. If a person has a bad driving record, it’s recommended to have separate policies for cheaper rates. In this case, the policy of the better driver may need to exclude that of the bad driver.
Just a footnote, for unmarried gay couples in states or cities where there is domestic partnership there may also be a discount being offered by some insurance carriers.
Cheap Car Insurance Liability Coverage Only
Reader question:
Okay, I got into a car accident, and I didn’t outright cause it, but if it weren’t for certain physical limitations of mine, it wouldn’t have been as bad as it was. Will I still be able to make a car insurance claim for my injuries?
Lucy
That’s a great question, Lucy.
On every subject, there is a situation that is not as clear as others. While it is easy to say who is at fault when someone rear ends another car, it is a bit more difficult to say if someone had some sort of fault if their eyesight was not in good enough shape to be able to drive in the safest way possible on the road. If you have some type of physical limitation that makes you wonder if some of the negligence in an accident may be put on you, then this might make you think as little bit.
There are many physical limitations that have an effect on driving, and one of the main ones is eyesight. This is one reason why car insurance companies often only give discounts for senior physical car insurance liability premiums if those seniors get regular exams to make sure that they are in the best shape to be driving. There comes a point when simple corrective lenses do not work. However, most people are able to wear glasses and contacts to solve this problem. Then there are other situations–perhaps someone has a leg that shakes a little bit, which caused them to put their foot on the gas and make a accident caused by someone else worse.
There is an expectation from the car insurance company that a driver who has certain limitations will take certain measures that may be necessary to lessen or get rid of the impact that their problem might have on their driving. For this reason, there might not be an excuse if someone with very bad vision goes driving without their glasses. However, there are some conditions which may slightly worsen an accident, although not causing it, which are normally not dangerous and can not be expected to be taken care of in any other way; or if someone has already accounted for their physical limitations and is driving safely.
The truth is that the final responsibility falls on the person who caused the accident. It is their responsibility to make sure that it is safe for anyone who may be driving on the road or their property, regardless of their physical limitations. If someone plows into the side of your car, then it is not your fault that you were put into that situation, because that was due to their own negligence. Therefore, in most cases, you are not at all at fault.
However, there are some instances in which the situation may become a little more murky, such as if your problem should have been taken care of before you went driving or if it contributed more significantly to the damages. In these cases, it would be wise to hire a car insurance liability claim attorney, who can help you navigate the claims system and get the negligence quotient that you deserve.
Cheers,
Fashun Guadarrama.
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