Can a TAIPA plan policy be used to obtain excess private passenger auto liability coverage?

Can a TAIPA plan policy be used to obtain excess private passenger auto liability coverage?

• A. Yes
• B. No
• C. Only for commercial vehicles
• D. Only if the insured is high risk

Answer: (B)

TAIPA exists to make auto liability insurance available to drivers who can’t obtain it in the voluntary market. The policies issued through the Texas Automobile Insurance Plan Association provide standard private passenger auto liability coverage, but only up to the plan’s set limits. They are not designed to offer excess or umbrella protection beyond those limits. If higher liability limits are needed, the insured should pursue additional coverage in the voluntary market or buy an umbrella/excess policy from another insurer to sit above the primary policy.

TAIPA exists to make auto liability insurance available to drivers who can’t obtain it in the voluntary market. The policies issued through the Texas Automobile Insurance Plan Association provide standard private passenger auto liability coverage, but only up to the plan’s set limits. They are not designed to offer excess or umbrella protection beyond those limits. If higher liability limits are needed, the insured should pursue additional coverage in the voluntary market or buy an umbrella/excess policy from another insurer to sit above the primary policy.