A hit-and-run accident shouldn’t cause you to have an increase in your auto insurance premium if you aren’t at fault. With that said, some circumstances and carriers may also cause you to pay a higher premium. There are laws in Texas to help mitigate hit-and-runs, however, this doesn’t mean they aren’t a common issue for drivers. You can protect yourself with uninsured/underinsured motorist (UM/UIM) coverage and if you are facing a premium increase due to a hit-and-run, shopping carriers can help you switch and save money.

Subrogation helps carriers reclaim compensation that is owed after a loss that may otherwise never be recouped. For example, subrogation in insurance can involve seeking compensation after an uninsured driver doesn’t help restore damage to your vehicle. There are waivers of subrogation that can give up a carrier’s right to pursue such legal matters as well. Furthermore, because legal issues can be a headache, drivers and homeowners need to understand their resources when facing this process.

Although car insurance for married couples is often less expensive, other partnerships have options to save. Furthermore, when you are married, there are ways to maximize savings and coverage by comparing carriers available in your area.

If you are a young driver or have one in your family, premiums can be high. Having younger drivers on the same policy as their parents, shopping around, finding discounts, and getting good grades can help lower premiums. You can even take safe driving courses or raise your deductible to save on your monthly expenses.

No-fault insurance isn’t used in Texas but is a system some states use to help make the claims process smoother for drivers. Some no-fault states require PIP coverage and although the Lone Star State uses an at-fault system, PIP insurance is available.

I n Texas, the ubiquity of potholes on roads isn’t just an inconvenience; it’s a stark indicator of public infrastructure in need of attention. More

Through subrogation, insurance companies can pursue compensation from uninsured drivers in the courtroom. However, the process is far from a guarantee and is a lengthy, complicated process. In some cases, carriers may forgo the process altogether. If you are an uninsured driver, you are still at legal risk that may prove criminal depending on the circumstances of your accident.