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My state is Texas. This question is relative to automobile…

My state is Texas....
My state is Texas. This question is relative to automobile insurance and not a traffic inquiry. I drive my son's truck (he moved to Louisiana). The title is in my son's name; however, I carry liability insurance in my name on the truck. plus, I carry an endorsement for comprehensive on nonowned vehicles to cover others' vehicles or rentals. When I recently inquired about a claim on the truck that I drive, I was advised by State Farm that the endorsement did not apply to the truck that I am driving because liability coverage is in my name. Is this correct? To me, a nonowned vehicle is a nonowned vehicle...
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Answered in 2 minutes by:
9/23/2017
Dwayne B.
Dwayne B., Attorney
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Please allow me several minutes to read your facts and type my response both initially and when you add a follow up question or add facts. Please don't ask "are you there", etc., since when you post it can erase what I am working on. If we are having a conversation unless I tell you I am going offline, I will be here but I may be doing research.

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That was a part of the insurance policy language at one point. If I remember correctly it was contained in the definitions section.

However, several of the newer policies I've read lately didn't have the same language so you would need to read the two policies together to see if either of them contain an exclusion. The law itself doesn't establish this exclusion by statute so it would only be correct if the policy language provides this.

Dwayne B.
Dwayne B., Attorney
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Customer reply replied 10 months ago
Looking
Customer reply replied 10 months ago
Thank you; this answers it...

Did it have the exclusion in the definitions?

If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a 5 Star Positive Rating so I receive credit for my work. Of course, please feel free to ask any follow-up questions in this thread. I want to be sure all of your questions are answered.

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Customer reply replied 10 months ago
excluded because I have been driving for more than 30 days before incident...

All right. If I remember correctly that is what it used to say, generally. My feeling is that this varies by insurance company.

If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a 5 Star Positive Rating so I receive credit for my work. Of course, please feel free to ask any follow-up questions in this thread. I want to be sure all of your questions are answered.

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