coverage cover third party auto accidents

Does my coverage cover third party auto accidents?

Before you wonder if your coverage covers third-party car accidents, you need to know this information first.

coverage cover third party auto accidents

In the case of car rentals, the rental agencies offer damage exemptions and liability policies, but you should know that the damage liability exemption is not insurance, with this exemption the agency agrees with you that it will not charge you the damage to the rented car.

You probably don’t even need the agency’s liability policy, as your own insurance policy may cover you while you are driving a rental car. It is necessary that you know your policy perfectly since sometimes they do not cover you if you rent a car to go to work. Before renting a car, call your insurance advisor and learn these details.

In the event that you drive the auto that a friend or relative loaned you and you cause an accident, the car owner’s insurance will pay the claims made in that accident, but if the owner is uninsured or has insufficient insurance, your insurance will cover the costs.

If you don’t have a car, but you borrow one frequently, you can buy a non-owner’s liability policy. It may cover damages and injuries that you cause to others while driving a borrowed car but does not pay for your injuries or damage to the car that you drive.

If you borrow a car from a repair shop, your liability insurance will be able to cover the damage to the car. It will also pay for other people’s injuries and damages if you are at fault in an accident. Verify that your insurance coverage is sufficient for these cases.

If I have an accident in Mexico, am I covered?
The Mexican administration is unaware of the automobile policies issued in the United States. Some companies may offer you sponsorships if you go to Mexico for a short time but the coverage may not meet the administrative requirements of that country, so it is recommended that you acquire a Mexican civil liability policy, this can be done while within the territory of Texas as some texas insurance agents are authorized to sell you such a policy.

If you need to clarify any other questions, do not hesitate to contact us through the whatsapp button that you have in sight or if you are viewing this information from your computer you can locate our contact numbers in this link

Leave a Comment

Your email address will not be published. Required fields are marked *