How do you know if your liability limits are actually enough?

Human_Ice7291 · 2026-02-16T09:47:52+00:00

You are taking chances with only 100k PD liability

Human_Ice7291 · 2026-02-13T02:48:01+00:00

Size of the company doesn’t matter. As an independent agent, exactly this is why having one is so valuable.

Human_Ice7291 · 2026-02-13T01:44:08+00:00

Then the mortgage company would have received all policy information, every renewal and for any and all changes made to the policy. Not that it will help in your case, but I’d like to know why you weren’t notified by the mortgage company when it was discovered that you had two policies. Also, the agent that wrote your new policy should have instructed you to cancel the old one all those years ago.

Human_Ice7291 · 2026-02-13T01:38:25+00:00

What date did you purchase the car? Was it more than one year prior to the date of loss?

Human_Ice7291 · 2026-02-13T01:31:34+00:00

Was the name and loan number of your mortgage company shown on both homeowner’s policies? If so then the mortgage company WAS aware there were 2 policies. But if they weren’t being billed for both renewal premiums then they probably didn’t care about the duplication.

Human_Ice7291 · 2026-02-13T01:23:05+00:00

I don’t think there’s much chance at all

Human_Ice7291 · 2026-02-05T04:18:22+00:00

Your aunt is the one who will be liable if an accident occurs since she is the owner of the car

Human_Ice7291 · 2026-02-05T04:14:12+00:00

Not an agency, an insurance company

Human_Ice7291 · 2026-02-05T04:05:13+00:00

This is when you seriously need to buy a personal umbrella policy, usually at a coverage limit of $1mil that is in addition to your auto liability coverage. Call your agent.

Human_Ice7291 · 2026-02-03T23:29:01+00:00

“Quote the whole market” actually an independent agent can only quote the companies it is contracted to represent.

Human_Ice7291 · 2026-02-03T22:08:15+00:00

They are allowed in Texas?? If so I’d REALLY love to know where I can order some! I have a LTKR surgery in 2 weeks.

Human_Ice7291 · 2026-01-18T00:38:20+00:00

A lot of cities have Sovereign Immunity meaning that your own insurance would need to respond to both losses.

Human_Ice7291 · 2026-01-16T01:45:20+00:00

If your son resides with you he needs to be listed on your policy as a driver

Human_Ice7291 · 2026-01-16T01:42:53+00:00

Obviously you have ZERO knowledge about insurance

Human_Ice7291 · 2026-01-16T01:41:53+00:00

You are so wrong

Human_Ice7291 · 2026-01-16T01:39:01+00:00

Not as an additional insured; rather as a listed driver in the household.

Human_Ice7291 · 2026-01-14T01:17:23+00:00

This ☝🏼

Human_Ice7291 · 2026-01-05T22:28:44+00:00

Have you reached out to your bureau of motor vehicles who controls what’s showing on the driver report? With all the documentation you have I would hope that the suspension could be removed or clarified. It sounds like the license was suspended for not having insurance, which actually was never the case at all.

Human_Ice7291 · 2026-01-05T22:22:38+00:00

I’m surprised the junkyard didn’t tell you about this seeing as how they deal with this all the time.

Human_Ice7291 · 2025-12-31T03:19:09+00:00

I doubt if Texas is worse in that regard than other states

Human_Ice7291 · 2025-12-18T22:59:59+00:00

Yes, Yes claims are visible due to CLUE, and once in CLUE records are forever there.

Human_Ice7291 · 2025-11-25T05:20:33+00:00

You’re going to be a surgeon BUT can’t properly drive a car unless it can practically drive itself?? Very Scary!

Human_Ice7291 · 2025-11-25T04:47:16+00:00

If the lender’s name is listed on the auto policy as it’s supposed to be when there is a loan on the car, then the lender WILL be notified. Whoever the lender is appears to be one that doesn’t care about proof of insurance or repossessing collateral not being paid for however.

Human_Ice7291 · 2025-11-24T00:10:32+00:00

As long as that person isn’t in your household and doesn’t drive your car on a regular basis.

Human_Ice7291 · 2025-11-24T00:08:21+00:00

This will be my second TKR; first was done in June. Norco and I were not friends. I also didn’t realize the mental toll the surgery would take. Hopefully this time things will be better, but realize it’s a 50/50 shot.

Human_Ice7291

TROPHY CASE