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Will Car Insurance Policies Cover Accidents on Private Property?

Texas car insurance policies typically cover accidents that occur on public roads and highways, but coverage for accidents on private property may vary.  Some Texas automobile insurance policies may include coverage for accidents on private property, while others may specifically exclude such coverage. A car accident attorney in Houston can help you determine what damages may be applicable in your case.

Exclusion of Coverage for Texas Automobile Accidents on Private Property

Some car insurance policies may have provisions that specifically exclude coverage for accidents that occur on private property. It’s important to carefully review your car insurance policy to determine whether it includes coverage for accidents on private property. Policies that exclude coverage mean that you would be responsible for costs for losses sustained in an accident on private property.

Possibility of Coverage from Property Owner’s Insurance Policy

If you are driving on someone else’s private property and get into an accident, the property owner’s insurance policy may cover the damages. For example, if you are driving on a friend’s property and get into an accident, your friend’s insurance policy may provide coverage for any damages that result.

Circling Back to Your Own Texas Automobile Insurance Policy

If the property owner does not have insurance or their insurance policy does not provide coverage for your accident, your own car insurance policy may provide coverage. In this case, you would need to file a claim with your own insurance company to seek compensation for any damages that result from the accident. But, as was mentioned, your own automobile insurance policy must provide coverage for this type of loss.

Supplemental Insurance Coverage

If you are planning to drive on private property, such as at a racetrack or on a farm, you may need to purchase additional coverage to protect yourself in the event of an accident. Make sure you explore what plans might be available in this regard well in advance of driving on private property.

Permission to be on Private Property and Insurance Coverage

Some car insurance policies may provide coverage for accidents that occur on private property only if the property owner has given you permission to be there. If you are planning to drive on someone else’s private property, it’s important to obtain permission from the property owner and to ensure that your car insurance policy provides coverage for accidents that occur in this situation.

You Really Must Review an Insurance Policy

The need to closely review an automobile insurance policy before you purchase it cannot be stressed enough. This will help you understand what types of accidents are covered and under what circumstances, so that you can make an informed decision about whether to purchase additional coverage. Speaking of making an informed decision, if there is something contained in an insurance policy that is unclear, you should seek clarification as soon as possible. You don’t want to realize after an accident that your insurance policy doesn’t provide the amount of coverage you thought it did.

Your Legal Rights Following a Collision on Texas Private Property

If you are involved in some type of motor vehicle accident on Houston private property or private property elsewhere in Texas, the experienced Doan Law Firm legal team is here to explain your rights and answer any questions that you may have. You can reach a Doan Law Firm car accident lawyer by calling our firm at (800) 349-0000. We do keep our Houston personal injury attorney telephone line staffed 24 hours a day, seven days a week, 52 weeks a year, and including all major holidays. We truly are her for you when you need committed legal representation.

We can schedule an initial consultation with a dedicated car accident lawyer at your convenience at our offices. In addition, we can arrange a case evaluation online as well. There is never a fee charged for an initial consultation with a Doan Law Firm car accident lawyer.

Doan Law Firm Attorney Fee Guarantee

The Doan Law Firm makes an attorney fee guarantee to you. We will never charge an attorney fee unless we win your case for you. Our legal team is committed to fight for justice, accountability, and the compensation you deserve following a Houston car accident.

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