Author Archives: Regina Anderson, Insurance Information Services

Ask Regina

Q. Our insured had a total loss on their auto and the adjuster is not paying sales tax. Is that correct? A. No, the company owes sales tax to the insured on a total loss, it is part of the … Continue reading

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Ask Regina

Q. Our insured backed out of the driveway and hit his wife’s car. Both are insured on the same Texas TDI PAP and the adjuster is applying the collision deductible to each covered auto. Is this correct? A. Yes, if … Continue reading

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Ask Regina

Q. Does the PAP cover intra-family suits should a family member be injured in the insured’s vehicle in an at-fault accident? A. The TDI PAP limits recovery to any family member to the extent of the minimum limits of liability … Continue reading

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Ask Regina

Q. We have an agent in our office who has a General Lines Life & Health license. If he refers one of his accounts to another agent in our office who has a General Lines P&C license to write the … Continue reading

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Ask Regina: Central Texas Flooding

Q. For our insureds who have flooded autos, is there any loss-of-use coverage under comprehensive coverage on their PAP? A. The PAP provides Transportation Expenses, but the Texas TDI PAP only applies to a total theft of the covered auto. You … Continue reading

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Ask Regina

Q. Does the BAP or PAP cover personal items like a computer or guns, or other equipment etc., in the vehicle for loss? A. For both policies, the insuring agreement for physical damage covers the loss to the covered auto … Continue reading

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Ask Regina

Q. One of our insured’s ran into the corner of their house and caused damage to the house. Will their PAP cover the damage? A. It depends on whether or not they rent their house or own their house. The … Continue reading

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New agent licensing rules take effect October 1

The Texas Department of Insurance has updated some of its agent and adjuster licensing rules to bring them more in line with Texas law and best industry practices. Pass the exam before applying: If the license type requires a qualifying … Continue reading

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TDI Update: Online Application for Insurance License Now Required

Candidates who have passed the exam to be a Texas insurance agent must apply for  licenses online. Paper applications are no longer accepted for licenses that have an online application. Candidates for most license types can apply on Sircon. You have one … Continue reading

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Ask Regina

Q. We just had a client call asking about rental coverage for U-Haul Truck they will be renting to move their household goods. They currently have an ISO Personal Auto policy. What coverage do they have, if any? A. A … Continue reading

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