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Texas Requirements - Fort
Bend Auto Insurance
In Texas, the
minimum Vehicle Liability Requirements 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 financial responsibility requirements your policy must
have at least these limits. The policy must be issued by an
insurer authorized to do business within Texas. Although 85 K is the minimum coverage requirements, higher limits
are available from most insurers if desired.
Important Notices
As of March 1, 2007,
a requirement was enacted that requires insurers doing
business in Texas must report all insured's Effective policy
dates, Expirations and Cancellations 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.
Reciprocal Agreements
The days of jumping
state lines in order to obtain a drivers license are over.
In the past many people after having been suspended in one
state, would simply cross into another and obtain a new one.
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
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 address information be correct and up to date with your
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 while Suspended. This is usually the
result of outdated address information on file with the
State of issue.
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