Will an insurance company generally cover damage caused by a collision while driving with an expired regitstration in the state of Texas?
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UPDATED: Aug 26, 2012
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Insurance Question from Austin, TX
Asked on 08/26/2012
Will an insurance company generally cover damage caused by a collision while driving with an expired regitstration in the state of Texas? I was involved in an accident, which damaged my car, with minor damage to the other parties vehicle and am trying to understand if my policy is void as a result of a lapsed registration?
Answer given on August 28, 2012
Auto insurance is not affected by the lack of current registration of a car if you are involved in an accident. There is no bearing for that regarding the accident. If the police were called you could be subject to a ticket for the expired registration but that could be resolved if you get the registration brought up to date.If you caused an accident, call your insurance agent or company and report the claim. The question of registration will not be asked. Give the adjuster your version of the accident. They will then contact the other party and work to settle the claim. If you were at fault then your company will settle for the damages to the other car. If you had little or no damage it is your decision as to whether to fix your car. Your damages may be below the deductible, so no settlement will be available from your insurance company.
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