Best Local Car Insurance Agencies in Laredo

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Does your car insurance provide coverage if you are driving from Laredo to Mexico?

  No. Car insurance policies in the U.S. are not accepted in Mexico. You can buy a Mexican liability insurance policy from select agents and brokers in Laredo and throughout Texas. Some companies provide endorsements if you take a short trip to Mexico, but these may not have enough coverage.

• How can you get coverage from the Texas Automobile Insurance Plan Association in Laredo?

  If you cannot obtain car insurance after two companies declined, you may purchase a policy from the Texas Automobile Insurance Plan Association. You can get coverage such as personal injury protection, uninsured/underinsured motorist, and liability coverage under TAIPA. However, there are no options for higher liability limits and comprehensive or collision coverage. Bear in mind, though, that this insurance is more expensive than those you can buy from traditional carriers in Laredo.

• What happens if you were not able to add a teenage driver to your car insurance policy in Laredo?

  Your insurance company usually requires you to add a teenage driver to your car insurance policy, but if you fail to do so, you could end up paying back premiums. If you need to file a claim in Laredo, you could also be turned down by your insurer. Failure to add the teenage driver to your policy may lead to a non-renewal.

• Is a digital proof of car insurance allowed in Laredo?

  Yes. A digital device can be used by drivers in Laredo to produce proof of their car insurance. This is stipulated under Texas Transportation Code section 601.053. Drivers are required at all times to carry with them proof of financial responsibility. When a driver fails to provide this proof, such as in a traffic stop, they can show evidence to the court later to avoid paying the penalty.

• How can you obtain a car accident report from the Laredo Police Department?

  Pick up a copy of your car accident report from the police station at 4712 Maher Ave., Laredo, TX 78041 between Mondays and Fridays from 8:00 a.m. to 5:00 p.m. Reports are usually available two days after the date of the accident. Contact the Records Department at 956-795-2822 to check if the report is ready. Reports can also be obtained online through the Lexis Nexis database.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.