Frequently Asked Questions About Auto Insurance.

Memorial Insurance Agency serves the city of Houston, TX and the surrounding areas with quality insurance services. We understand that buying auto insurance for the first time, or a new policy from a new state can bring up a few questions. 

Here Are Some FAQs About Auto Insurance:

  • Is auto insurance a legal requirement in the state of Texas? Yes, the state of Texas requires a minimum of liability insurance and most auto lenders require full coverage while you pay them. 
  • What happens if I leave the country in my car? Because Texas shares a border with Mexico this is a great question. Mexico does not legally recognize auto insurance policies but you can buy liability specifically for your trip for your protection. Ask your agent about it before you travel. 
  • Do I need additional coverage to let my friend borrow my car? If your friend is a legal driver and is only borrowing it once then he/she should be covered. But if they are a habitual driver of your car or if your friend has any legal reason they should not be driving this can negate the protection. It is best to ask an agent if you are unsure. 
  • When will my auto insurance policy be effective? Your policy is effective on the exact date of your policy paperwork. Often this date will be the very day you purchase it. You can never backdate your auto insurance policy start date. 

If you live in our around Houston, TX, give us a call at Memorial Insurance Agency to discuss your auto insurance needs. We are happy to answer any further questions you have and will make the process of purchasing a policy as simple as possible every step of the way.