San Antonio Car Insurance - Texas
Requirements
The state of Texas 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.
To meet Texas state financial
responsibility requirements your policy must have at least the minimum limits.
Your policy must be issued by an insurer authorized to do business within Texas.
Though 75,000 is the state's minimum liability 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.
License Address Update
It is
important for you to keep your Drivers License
address information 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.
State Reciprocal Agreements
The
jumping state lines to a neighboring state in order
to obtain a drivers license previously suspended is
no longer a viable option. 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 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 in
the previous state of licensure such as outstanding
tickets, fines or other issues related to your
license.
