TX Insurance Question
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From: Saint Helena, CA
TX Insurance Question
If one person has two cars in TX, is it the most valuable car or the newest car that has to be listed as the primary vehicle on the policy?
Or, is that not a state rule, it just varies by insurance company to insurance company?
Or, is that not a state rule, it just varies by insurance company to insurance company?
it's whichever you drive the most. I have AllState, and I asked them to list it both ways (Evo vs. truck for primary vehicle), and I chose the cheapest route.
And if you're driving your "pleasure" class vehicle to a "primary" event, like work, I guess they could subpoena state inspection records to determine which vehicle you actually do drive the most and deny a claim based on it. Even if it's not illegal, it may still bite you (or me for that matter).
Good thing Mitsu doesn't sell insurance, they'd deny everything
And if you're driving your "pleasure" class vehicle to a "primary" event, like work, I guess they could subpoena state inspection records to determine which vehicle you actually do drive the most and deny a claim based on it. Even if it's not illegal, it may still bite you (or me for that matter).
Good thing Mitsu doesn't sell insurance, they'd deny everything
Originally Posted by dridge11
If one person has two cars in TX, is it the most valuable car or the newest car that has to be listed as the primary vehicle on the policy?
Or, is that not a state rule, it just varies by insurance company to insurance company?
Or, is that not a state rule, it just varies by insurance company to insurance company?
Thread Starter
Evolved Member
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Joined: Nov 2002
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From: Saint Helena, CA
I have USAA, and had looked into getting a Focus or something as a daily driver, and they said I had to list the Evo as the primary car. I just can't remember if it's cause it was newer or more valuable. Maybe it's just a USAA thing.
I think your insurance company is just out to squeeze as much money as they can from you. The difference between primary and pleasure class is all about miles driven, not the value of the car being driven.
It could be some renegade agent you're dealing with trying to make more money, and if the home office of USAA knew of this practice, he might get his wings clipped.
A quick google search turned up this,
http://www.consumerfed.org/pdfs/auto...es_release.pdf
not a very good example, but it's relatively recent, and talks about insurance breaks due to mileage reductions in driving habits. I'd definitely push the issue with USAA or maybe get a second quote from another agent within USAA.
It could be some renegade agent you're dealing with trying to make more money, and if the home office of USAA knew of this practice, he might get his wings clipped.
A quick google search turned up this,
http://www.consumerfed.org/pdfs/auto...es_release.pdf
not a very good example, but it's relatively recent, and talks about insurance breaks due to mileage reductions in driving habits. I'd definitely push the issue with USAA or maybe get a second quote from another agent within USAA.
Originally Posted by dridge11
I have USAA, and had looked into getting a Focus or something as a daily driver, and they said I had to list the Evo as the primary car. I just can't remember if it's cause it was newer or more valuable. Maybe it's just a USAA thing.
USAA has no local agents. Some insurance companies have a policy that the highest risk driver gets put with the highest risk car for quoting policies. Some go by what you say, how many miles driven etc. They all have there own underwriting guidelines that are built with in the frame work of each state's law. Also, USAA tends to have very good rates, just not so great on Evos and STIs.