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Texas Requirements - Fort
Worth Auto Insurance
In Texas, the minimum Vehicle Liability Requirements
are 25/50/25. That's 25,000 Per accident for bodily injury per
person, 50,000 per accident aggregate for bodily injury, 25,000
Property damage liability per covered accident. This provides
a total of up to 75,000 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 75,000 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This is usually the result of outdated address information on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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