Articles Posted in Auto Insurance

Weatherford insurance lawyers need to know the coverages in an auto insurance policy. As for damage to the auto itself, the terms of coverage for damage to the auto are fairly straightforward:

1. “Named-Peril” coverage is provided on “covered autos.” The policy would provide that the carrier will pay for “direct and accidental loss to your covered auto.” The coverage is divided into “collision” coverage and “coverage other than collision.”

2. The “other than collision” coverage insures against more causes of loss than collision coverage. When both collision coverage and “other” peril coverage are purchased, then the insured is said to have “comprehensive” coverage.

Weatherford attorneys and those in Mineral Wells, Aledo, Springtown, Hudson Oaks, and other parts of Parker County need to know the minimum limits required on cars in Texas. But also knowing those limits is important when dealing with an out of state driver.

Fox Business recently ran an article that discusses these limits.

The article tells us that most states have laws outlining the minimum amount of liability coverage you must purchase.

Fort Worth insurance lawyers and those in Arlington, Grapevine, North Richland Hills, and other places in Tarrant County know that auto liability insurance coverage is mandatory in the State of Texas if you are operating a motor vehicle.

What would be surprising to most in Texas is that some states do not have very effective enforcement mechanisms regarding the requirements of auto liability coverage. One of those states has been Alabama. That is now changing.

The Birmingham News published an article recently that tells us the word “mandatory,” when used in the context of a law, means “permitting no option; not to be disregarded or modified.”

Weatherford attorneys and those in Aledo, Hudson Oaks, Willow Park, Millsap, and other places in Parker County need to know and understand the “Omnibus Clause” in an auto insurance policy.

The Corpus Christi Court of Appeals issued an opinion in 1967, in the case styled Phoenix Insurance Company v. Allstate Insurance Company. The case is still good law.

This is an appeal that arises from a declaratory judgement action and discusses the omnibus clause in Phoenix’s auto policy.

Grand Prairie insurance attorneys need to know how courts are handling the cases related to first party insurance claims.

The San Antonio Court of Appeals issued an opinion in September, 2012, wherein the insured person did not hire an attorney. Instead he handled the case himself. The results are predictable.

The style of the case is, Clark v. Bristol West Insurance Services of Texas, Inc. Here is some of the case information:

Dallas insurance law attorneys and those in Garland, Mesquite, Richardson, and other places in Dallas County need to be aware of this opinion.

The Houston Court of Appeals, 14th District, issued an opinion in 2003 that insurance law attorneys need to know. The style of the case is, Armendariz v. Progressive. Here is some relevant information about the case.

Alejandro and Alma Armendariz, appeal from cross-motions for summary judgment granted in favor of Progressive County. In two issues, they contend that Progressive owed Alma the duty to defend and indemnify her in a wrongful death lawsuit filed by Alma’s mother.