Than normal car insurance is meant to protect you from costly collisions.
We learned a single insurance oversight could cost you your car.
Channel 5's jennifer carpenter is in the studio with one woman's personal account.
Don't take anything for granted when it comes to your car insurance.
A local woman had an accident in may.
She says she wasn't at fault.
Six months later, she's out tens of thousands of dollars... and without her own car.
"i was driving, i was just going straight and all of a sudden out of nowhere i got hit, t boned."
Hilda whitaker was driving her fresh- off-the-car-lot, month old honda civic.when her world went whirling.
The police report says she spun 180 degrees on south padre boulevard.
A 15 year old driver plowed into the side of her brand new car.
"hit me on the side of the face, tore my shirt up, hit my side of my arm."
The civic was un- drivable.
Whitaker-- a cancer patient-- walked away with only bruises.
Or so she thought.
She's facing a 30 thousand dollar bill.
"i never cry, but here lately i just cry every day.
I just want it to be over."
Whitaker hit a roadblock while filing insurance claims. the offender's insurance company only paid for some of the repairs.
So she went to her own carrier.
They said: they couldn't help.
She was told it's because her policy doesn't cover her car.
It comes down to where she purchased her insurance and the car she chose.
In her case, the policy was bought in alabama.
The civic in texas.
"the laws in every state are different."
Safe guard insurance agency principle, abraham padron explains insurance coverage varies by state and policy.
6:44 "in many companies you have a certain amount of time to register your vehicle into the state."
Butted to 7:18 "if for some reason they don't do it, and 3 months afterward they have an accident, incident, that could be grounds for us to deny a claim."
Padron works at a different insurance company than either of the companies involved in this case.
He explained whitaker needed to get comprehensive coverage that would apply to a vehicle registered in a different state.
"if you don't take action, if you don't communicate, many times one day turns into two, three four weeks at that point the company passes those costs, those costs are your costs."
The costs are now whitaker's.
Her fight for coverage took so long, her vehicle was repossessed.
She now faces owing the dealer for a brand new car she can't drive, storage costs, and 6 months rental car fees "i'm a nervous wreck."
It's more than $30 thousand dollars.
Whitaker is still paying $25 a day for that rental car.
She doesn't know how she will recover from this.
Insurance agent padron warns drivers to talk to their agents about any situation that involves coverage in a different state.
If you have an accident he advises you stay in regular contact with all the parties involved... otherwise, padron says any accruing additional?
Costs could fall to you.
Live in the studio...jennifer carpenter...channel five news