How to find out if your car is insured?

I live in Texas. We had a fire in our garage while we were on vacation—our car was sitting in the garage and got ruined. How do I check and see what’s insured? My documentation was in the glove box, and it’s safe to say that it’s gone now.

Answer
We’re sorry to hear about the fire. Even though your insurance documents went up in smoke, don’t worry.
You can first try calling an agent or checking to see if you have digital proof of insurance to access your policy number.
Luckily for you, the state of Texas also tracks individual insurance policies. You can go to the secretary of state office closest to you and ask them about your insurance.
If you have comprehensive coverage on your policy, your car should be covered against fire damage. If you only had the state-mandated limits, however, you shouldn’t expect a full payout.
While this isn’t something you should worry about right now, you might be faced with higher insurance rates in the future due to having filed a large claim.
When you’re recovered from this ordeal, try doing some comparison shopping with Jerry to find insurance savings—all you need is 60 seconds and a smartphone.
Lauren Smith
Answered on Nov 10, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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