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Texas Requirements - Fort
Worth 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 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 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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