In Texas, a driver must maintain proof of financial responsibility which usually includes liability insurance with a minimum coverage of:
- $30,000 for bodily injury on one person per accident,
- $60,000 for bodily injury of two or more persons per accident, and
- $25,000 for property damage of others in an accident.
Penalties for Driving without financial responsibility
1st time offender:
- Class C Misdemeanor,
- Fine up to $350,
- Plus annual DPS surcharge of $250 for the next three years.
2nd time offender:
- Class B Misdemeanor,
- Fine up to $1,000,
- Plus annual DPS surcharge of $250 for the next three years,
- The Court may order your car to be impounded for 180 days. Car can be released once you show proof of financial responsibility (liability insurance) The impound yard will charge $15 per day of impound.
What if an accident was involved, then the driver will be required to:
- File an SR-22 for the next three years,
- Automatic suspension of vehicle registration for up to two years,
- Automatic suspension of driving license for up to two years. See suspension and occupational license pages,
- Be 100% liable for injuries and damages for the accident you caused.
What if you did not have a valid driver’s license. You will add:
- An additional $2,000 fine,
- Up to 180 days in Jail.
What if you caused an accident with serious injury(s) or death?
- Up to a $4,000 fine,
- One year In jail.
You if find yourself in this situation, you need to contact my office today! I can help!
No insurance contact form (citation, name, address, phone number, email, did you have insurance coverage, accident involved, Serious injury or death occur? Did you have a valid Driver’s license?