Texas Car Insurance Quotes / Requirements
In Texas, the minimum
Vehicle Liability Requirements are 20/40/15. That's 20,000 Per
accident for bodily injury per person, 40,000 per accident aggregate for
bodily injury, 15,000 Property damage liability per covered accident.
This provides a total of up to 55,000 for each covered accident.
In order to meet Texas state
financial responsibility requirements your policy must have at least these limits. The policy must be issued by an insurer authorized
to do business within the state. Although 55,000 is the state's minimum
coverage requirements, higher limits are available from most insurers if
desired.
Failure to Maintain
Currently, Failure to maintain
Financial Responsibility carries a hefty fine and several other
penalties including Suspension of your Drivers License. An SR22 Filing
Requirement is usually imposed before you can get the suspension lifted.
The state 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 an infraction for driving in the state without adequate Financial
Responsibility or Insurance.
Important Notices
Automatic notices
of License Suspension
As of March 1, 2007, The
state has instituted by enacted legislation a requirement that auto
insurers doing business within the state 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 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 by many other states. Drivers may in the near future
find that their drivers license and 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 use.
State Reciprocal
Agreements
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 their drivers license
suspended in one state, would simply cross into another state and obtain
a New Drivers License. With the age of information technology this is no
longer a viable option. The various 50 states have all entered into
reciprocal agreements wherein an Applicant will be denied a drivers
license in that state until such time as they have resolved any
suspension issues, outstanding tickets and or fines in their previous
state of issue.
License Address
Update
It is important that your Drivers License address information be correct and up to
date with your State Licensing Authority. 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 on a
Suspended License. This is usually the result of outdated address
information on file with the State of issue.
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