Insurance in Texas
minimum coverage requirements for Car
Insurance in Texas are 30/60/25. That's 30,000 Per accident for bodily injury per person,
60,000 per accident aggregate for bodily injury, 25,000 Property damage
liability per covered accident. This provides a total of up to 85,000 for each covered accident.
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 85 K is the state's minimum requirements,
higher limits are available from most insurers if
Currently, Failure to maintain Financial Responsibility
in Texas carries a hefty fine and several other penalties including
Suspension of your Drivers License. An SR22 Filing Requirement is
usually imposed on your insurance before you can get the suspension lifted. The state
has recently instituted an annual fine that persists for 2 to 3
years after the date of suspension which must be paid in order to
maintain your driving privileges.
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
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 insurance 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.
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
days of jumping state lines to a neighboring state in order to
obtain a drivers license or cheaper insurance 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 including Texas 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
License Address Update
important that your Drivers License address information be correct
and up to date with your State Licensing Authority
as well as your Texas car insurance company. You will
usually receive any notice from them regarding the status of your
driving privileges at the home address listed on your
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
New Texas Car Insurance legislation requires that insurers must report all Effective
auto insurance policy dates, insurance Expirations and Cancellations to the statewide
CARS insurance database. This will facilitate law enforcement to verify insurance coverage
on the scene or even before pulling a driver over. This will also enable officers to quickly ascertain if the driver has presented them with
valid insurance or an Expired or canceled otherwise invalid
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
insurance coverage even though no traffic violation has occurred. Many states have already implemented this method of use.