IT'S THE NEW LAW!!!
EFFECTIVE 9/01/2003*


* $175.00 MINIMUM FINE FOR DRIVING WITHOUT INSURANCE.

*$250.00 ANNUAL ASSESSMENT FOR THE NEXT THREE YEARS.

*AUTOMATIC LICENSE SUSPENSION FOR FAILURE TO PAY.



$925.00 FINE AND ASSESSMENT
FOR DRIVING WITHOUT
AUTOMOBILE INSURANCE!

*HB 3588-DRIVER RESPONSIBILITY ACT

TEXAS LIABILITY INSURANCE 
In United States of America is mandatory that all drivers must carry liability insurance on their vehicles or otherwise meet legal requirements for financial responsibility. Failure to do could result in fines up to $1,000.00 suspension of your driver's license and motor vehicle registration, and impoundment of your vehicle for up to 180 days.

AUTO INSURANCE : Most companies writing Texas Auto Policies fit into one of three categories:



PREFERRED COMPANY : Are companies within an insurance group that offer the lowest rates.



STANDARD COMPANIES : Offer higher rates than preferred companies but lower than non-standards companies.



NON-STANDARD COMPANIES : Generally have the highest rates than Standard and Preferred companies.



TEXAS REQUIRES PROOF OF FINANCIAL RESPONSIBILITY: If you drive in Texas, You MUST show you can pay for accidents you cause. Most Texas drivers do this by buying auto liability insurance

LIABILITY INSURANCE : Pays for injuries to the other party and damages to the other vehicle. It covers accidents that are caused by you or anyone covered by your policy, including a driver operating your car with your permission. Your policy must pay at least $20,000.00 per person for injuries and deaths, up to $40,000.00 for all victims of an accident, and up to $15,000.00 for property damage.

UNINSURED/UNDERINSURED MOTORIST (UM/UIM) : Coverage pays for your injuries and property damage caused by a hit-and-run driver or a motorist without liability insurance. UM/UIM also pays when your medical and car repair bills are higher than the other driver's  liability coverage.

MEDICAL PAYMENTS & PERSONAL INJURY PROTECTION (PIP): Both Pay Limited medical and funeral expenses if you, a family member, or a passenger in your car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.

COLLISION COVERAGE: Pays for damage to your car without regard to who caused an accident. The company must pay for the repair or up to the actual cash value of your vehicle, minus your deductible.

COMPREHENSIVE COVERAGE (PHYSICAL DAMAGE OTHER THAN COLLISION): Pays for damage to or loss of your automobile from causes other than accidents, such as hail, vandalism, flood, fire, and theft.

TOWING & LABOR COVERAGE: Reimburses you for towing charges when your car must be towed to a repair shop or other destination.

RENTAL REIMBURSEMENT COVERAGE: Pays a set daily amount for a rental car if your car is being repaired because of damage covered by your auto policy.

DRINK + DRIVE = GO TO 
JAIL