Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 9, 2012

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Insurance Question from San Antonio, TX

Asked on 03/09/2012

In Texas is there a law where as long as you give the permission to drive you car you car will still be covered if it was in an accident i was felling sick so i gave my wife permission to drive me home but she is not on the insurance policy and a car hit us and took off will the car still be covered for repairs

Answer given on March 11, 2012

Each state, and each insurance company has its own rules regarding drivers of vehicles on the policies. Most insurance companies will cover an accident if the car is being driven by someone not listed on the policy, as long as they have a valid license.There are some policies which are named driver policies and they will only cover for damages when a listed driver is involved in the accident. You should contact your insurance agent to be sure your policy is not this restrictive type policy. If it is not, you should report the accident to the insurance company. They will work with you on the repiars, less your deductible. You should also file a police report, since this was a hit and run accident. Any information you can give on the other car may help them find the party who was responsible for the accident. If the driver cannot be located, you will have to pay the deductible. If they find the driver, and are able to collect from him or his insurance company, they will reimburse you the deductible.


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