It’s a common question that many people ask when they get in an accident: “Can I still get car insurance?” The answer, unfortunately, is that it depends. In general, if you have had no accidents within the past three years, then you may be able to get car insurance without proof of liability. However, if you have had any accidents in the past three years, then you will likely need to provide proof of liability. There are a few other factors that can affect whether or not you can get car insurance after an accident, such as your driving record and your credit score. It’s always a good idea to speak with a car insurance agent to find out more about your specific situation.
The Basics of Car Insurance
Life can change in an instant. That’s why it’s important to have car insurance. Without car insurance, you could be financially responsible for damages that were caused by someone else. Here are some basics about car insurance:
When you buy your car, you should get liability insurance that covers you if someone is injured in a crash while driving your car. This type of coverage is required by law in most states. You also need property damage insurance to cover the costs of repairing or replacing items damaged in a crash, such as windows, paint and tires. Finally, you may want to consider uninsured motorist coverage if you are involved in a crash with someone who wasn’t insured. This coverage pays for damages that occur when you hit an uninsured driver.
All of these policies have limits on how much they will pay in a given situation. For example, liability insurance usually won’t pay for injuries caused by drunk drivers or drivers who are driving without valid license plates or insurance. Make sure you understand the limitations of each policy before buying it.
It’s important to keep your car insured all the time – even if you don’t drive it every day! If your vehicle is stolen, the person who stole it may be liable for any damage done to it while it was in their possession. Also, make sure to check your home and personal auto insurance policies regularly to see if there are any gaps that need
Understanding Your Statutory rights Under the Law
If you have had your car insurance cancelled, there are certain statutory rights that you may have. The first step is to determine whether the cancellation was because of a policy violation or just due to a change in your driving record. If it was the latter, you will have up to one year from the date of the cancellation to reapply for car insurance. If it was due to a policy violation, you will only have six months from the date of the cancellation to reapply.
The next step is to contact your insurance company and ask why your policy was canceled. Most companies will give you a reason, although some may be less than forthright about it. If you do not receive an answer within 30 days, you can contact the Texas Department of Insurance (TDI) at 1-800-252-3439. TDI will investigate and try to resolve the issue on your behalf.
If TDI is unable to resolve the issue or if you feel that your rights have been violated, you can file a complaint with the Texas Attorney General’s Office at 512-463-0696.
How Long Can You Not Have Car Insurance
If you have had your car insurance policy cancelled, you are not required to have any auto insurance until the cancellation is lifted. However, it is always a good idea to have liability insurance in case of an accident. You can get liability insurance through your car insurance company or you can buy optional coverages such as uninsured motorist coverage or property damage.
What To Do If You Lose Your Car Insurance
If you have a car insurance policy with your state or the government, and you lose that coverage, you may be able to get temporary insurance until your regular policy resumes. If you don’t have car insurance, see if your municipality has a program that provides free or low-cost coverage for people without cars.
If you’ve had a recent lapse in car insurance coverage, don’t despair. There are some things you can do to get your policy back up and running as quickly as possible. Try contacting your car insurance company as soon as possible after your lapse in coverage to explain the situation and see what they can do to help. Car insurance is a important part of owning a vehicle, so don’t let a lapse ruin your chances of being able to drive again.