What is the difference between a named driver and permissive use policy? A named driver policy is an auto insurance policy that covers the named driver only, for this reason a named driver policy is going to be cheaper. Find more auto insurance coverage information. A typical auto policy is permissive use and requires all […]
What is a named driver exclusion?
A named driver exclusion is an endorsement form that excludes a driver from being covered under the auto policy. Drivers are excluded for a variety of reason that include young drivers or drivers with bad driving records. When excluded drivers are driving a vehicle and are involved in an at fault accident, the claim will […]
What is FR44 insurance?
FR44 insurance is similar to sr22 insurance but typically it is required for more serious violations. An FR44 form is not insurance, it is a form endorsed to your auto insurance policy, and filed with the state department of motor vehicles. An fr44 filing is typically for the worst driving offenses such as maiming or […]
Liability auto insurance coverage explained.
Most states require all drivers to carry liability auto insurance. Liability auto insurance covers the driver should they cause an at fault accident. The driver would have coverage up to the limits of the policy. Policy limits vary from minimum coverage up to high limits. In this example, the policy limits would read 25000/50000/25000. It […]
Texas High Risk Auto Insurance
Texas drivers convicted of driving without auto insurance or driving while intoxicated can have their driver license suspended. If your Texas driver license is suspended, you will be required to file an sr-22 and will be considered a high risk driver. Driving while intoxicated (DWI) and driving without auto insurance in Texas carries severe fines […]