Category Archives: Ask Regina

Ask Regina

Q. My customer was involved in a not-at-fault accident and the car is a total loss. The payoff is higher than the value of the car. Is the at-fault party responsible for the amount left on the loan? A. No. … Continue reading

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Ask Regina

Q. Is there a law in Texas that if a house is a total loss the company has to pay the full amount of insurance on the policy? A. Texas has a Valued Policy law that requires the full amount of … Continue reading

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Ask Regina

Q. I’m going to retire before my license renews. Do I still need to take continuing education courses? A. Yes. The obligation to meet the requirements of licensure, including continuing education, applies as soon as you are issued the license.  … Continue reading

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Ask Regina

Q. My customer owns acreage that is leased to another party for cattle grazing. There are no man-made structures on the property. Is this covered by the homeowners policy? A. The definition of an “insured location” includes “vacant land other … Continue reading

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Remembering Regina

As many of you know by now, IIAT lost its dear friend and colleague Regina Anderson, who passed peacefully at her home in Kyle on Thursday, April 25, 2019. For more than 30 years, Regina was the association’s resident expert … Continue reading

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Ask Regina

Q. Does an insurance company owe diminished value when settling a claim?   A. This issue was addressed in a Commissioner’s Bulletin in April 2000. It says: “The position of the Department is that an insurer is not obligated to … Continue reading

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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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