El Paso Auto Insurance
Requirements
The minimum 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.
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 85 K
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 that
persists for 2 to 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 April, 2008, 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 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 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.
