Not having car insurance in Texas is a serious offense and carries a number of severe consequences. Here’s what you can expect if you’re caught driving without insurance:
Fines:
- First-time offense: Fines ranging from $175 to $350.
- Repeat offenses: Fines escalate to $350 to $1,000 or even higher.
License Suspension:
- Your driver’s license could be suspended for up to two years.
- You’ll need to pay a surcharge of $250 per year for three years to reinstate your license.
Vehicle Impoundment:
- Your car can be impounded by the police for up to 180 days.
- You’ll bear the costs of towing and storage fees, which can be substantial.
Increased Insurance Premiums
- Getting car insurance after being caught driving without it will be very expensive. You’ll be classified as a high-risk driver.
SR-22 Requirement:
- You might be mandated to file an SR-22 form (Certificate of Financial Responsibility). This form requires your insurer to notify the state if your insurance ever lapses, and it can make finding affordable insurance extremely difficult.
Additional Notes:
- These penalties represent what happens if you’re caught by police or involved in an accident.
- Texas law requires drivers to have car insurance at all times – even if the vehicle is parked.
Important Recommendation:
Always maintain car insurance coverage in Texas, even the minimum state-required liability insurance. Not only is it a legal obligation, but the financial and personal consequences of driving without insurance can be devastating.
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