What if I Wasn't Driving at the Time of the Accident?
You may or may not have coverage for other people who drive your car and are involved in an accident. In the state of Texas, insurance companies can differ on how they provide auto insurance coverage. Some policies allow for all members of a household to be covered in the event of a car accident while some policies require that each person (in order to be covered by insurance) must be specifically named on the auto insurance policy. Be sure to carefully read your policy to see who is entitled to coverage and who is not. A Houston car accident attorney from our firm can help you understand your policy and fight for your rightful coverage.
Those who are not covered by auto insurance are those who are "excluded" or "limited" from a particular policy. There are five basic types of exclusions you might see on any given auto insurance policy in the state of Texas. For one, there is the "named driver" exclusion which could limit coverage only to the primary driver and other household residents who are named specifically on the policy. There is also the "excluded driver" provision that only allows coverage for those individuals named in the endorsement section of the auto policy. There are business use exclusions, which will not allow coverage for drivers using the car for business purposes.
There are also two less-common exclusions: racing and intentional acts. Those who decide to use their vehicles for racing purposes may not be able to receive coverage for accidents involving racing, should this be an explicit exclusion on their policy. Finally, the "intentional acts" exclusion could eliminate coverage for individuals who cause purposeful damage to an insured vehicle. To learn more about who is entitled to coverage under your specific auto insurance policy, contact a Houston car accident attorney from our firm as soon as possible after the accident.