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Texas Requirements - El Paso Car Insurance

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.

License Address Update

It is important that your Drivers License and Vehicle Registration address information be correct and up to date with your State Licensing Authority. You will usually receive any notice from them regarding mailed traffic citations and other info about the status of your vehicle and driving privileges at the home address listed on your license

 

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