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Texas Requirements - Dallas Auto Insurance
In
Texas, and in Dallas, Auto Insurance minimum 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
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, 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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