Does My Insurance Company Have My Back?

CAN YOU TRUST YOUR INSURANCE POLICY? MAYBE, MAYBE NOT

Texas auto insurance policies contain many provisions that are void and unenforceable under the law. This is because insurance companies have used their political influence to persuade the State Board of Insurance to include language in the Texas Personal Auto Policy that violates Texas law.

In Texas (and most other states) a family member has the right to collect under their auto liability insurance for injuries in an accident, even if another member of their family was driving the car and caused the accident. Yet, some Texas Personal Auto Policy for liability has language that excludes injury claims by family members against the driver, if the driver is also a family member. THIS EXCLUSION IS VOID AND UNENFORCEABLE UNDER TEXAS LAW.

Here are some other examples of void and unenforceable language contained in every auto insurance policy:

• Reduction of Uninsured/underinsured motorist coverage by payments under the Personal Injury Protection coverage;
• Reduction of Uninsured/underinsured motorist coverage by payments under the Medical Payments coverage;
• Reduction of Uninsured/underinsured motorist coverage by payments under Workers' Compensation or disability benefits;
• Reduction of Uninsured/underinsured motorist coverage by government supplied medical benefits such as Medicare.

This is not even half the list, but all I have room for in this space. If insurance companies continue to put void and unenforceable language into their auto insurance policies, how can the public know what their rights are under their auto insurance policy without talking to a personal injury lawyer?