Texas Car Insurance Requirements
In Texas, the minimum
Vehicle Liability Requirements are 30/60/25. That's 30,000 Per accident
for bodily injury per person, 60,000 per accident aggregate for bodily
injury, 75,000 Property damage liability per covered accident. This
provides a total of up to 85,000 for each covered accident.
In order to meet Texas
financial responsibility requirements your policy must have at least
these limits. The policy must be issued by an insurer authorized to do
business within Texas. Although 85 K is the Texas minimum
coverage requirements, higher limits are available from most insurers if
desired. Get affordable auto insurance rate quotes from Insurance Plus.
Failure to Maintain
Currently, Failure to
maintain Financial Responsibility carries a hefty fine and several other
penalties including Suspension of your Drivers License. An financial
responsibility insurance filing
requirement could be imposed before you can get the suspension lifted.
Texas has recently instituted an annual fine of 100 dollars that
persists for 3 years after the date of suspension which must be paid in
order to maintain your driving privileges.
As a result it now typically
costs an individual up to 900 dollars or more in fines and filing fees
after receiving a ticket for no insurance while driving in Texas for
failure to maintain adequate Financial
Responsibility or Insurance.
As of March 1, 2007, Texas
has instituted by enacted legislation a requirement that auto insurers
doing business within in Texas must report all insured's
Effective policy dates, Expirations and Cancellations to a statewide
database for use by law enforcement. This will enable law enforcement to
verify insurance coverage validity at the scene or even before pulling a driver
over. This will also enable law enforcement officers to quickly
ascertain if the driver has presented them with an Expired or canceled
or otherwise invalid auto insurance card.
If the scenario follows the
usage rules currently followed previously. Drivers may in the
near future find that their car or vehicle
registration has been automatically suspended due to a loss of, or a
lapse in auto insurance coverage even though no traffic violation has
occurred. Many states have already implemented this method of insurance
The days of jumping state
lines to a neighboring state in order to obtain a drivers license are
over. In the past many people after having been
suspended in one state, would simply cross into another and obtain
a New Drivers License. With the age of technology this is no
longer a viable option. The various 50 states have all entered into
reciprocal agreements wherein an Applicant will be denied until such time as they have resolved any
suspension issues, outstanding or unresolved insurance requirements, tickets and or fines in their previous
state of issue.
It is important that your
current address be correct and up to date with your Licensing Authority
and your insurance company. You will usually receive any notice from them
regarding the status of your driving privileges at the home address
listed on your license
Many people have found only
after months or sometimes years later that they have been driving while
Suspended. This is usually the result of outdated address
information on file.