When you buy a vehicle, it becomes essential to protect your investment with auto insurance. While having auto insurance is compulsory in most states, it also benefits you. The costs of driving without insurance in Texas can include fines, suspensions, and confiscating fees. To explain the consequences of driving without auto insurance in San Angelo, Texas, we’ve prepared this simple guide—have a look.

Texas’s Car Insurance Laws

 

The car insurance laws in Texas are simple: individuals must verify financial responsibility to use a vehicle legally. The majority of people accomplish this by keeping their motor insurance policy’s liability coverage at a minimal amount.

 

The minimum liability restrictions in Texas are as follows:

 

• $30,000 physical injury liability per individual
• $60,000 physical injury liability per accident
• $25,000 property damage liability per accident

 

Having said that, individuals must also carry insurance proof while driving, in case they have to show it to law enforcement.

 

What Happens If You Drive without Auto Insurance in Texas?

 

If you get into an accident in Texas without liability insurance, you can face severe financial consequences. For instance, if you get into an uninsured accident and you’re at fault, the court can liquidate your house, other assets, and retirement fund to compensate for the opposite party’s medical costs, court expenses, and property damage.

 

Since car accidents can lead to expensive damages, an uninsured driver at fault could go bankrupt. Plus, you will also need to carry an SR-22 on your coverage.

 

Your insurance provider submits an SR-22 to the DMV. This document attests that you have at least the required level of liability insurance in your state. In Texas, you must keep an SR-22 on file for two years whenever one is needed. Your insurance provider will automatically notify the DMV whenever your coverage expires, and you will need to resubmit the SR-22. Generally, a license suspension and a $100 reinstatement fee follow this lapse.

 

The DMV may still require you to carry an SR-22 even if you’re not the wrong party in an uninsured collision; it depends on whether you received a ticket. Regardless of who was at fault for the collision, law enforcement has the right to issue you a ticket if you don’t have insurance. An SR-22 is necessary if this is your second infraction for driving without insurance.

 

Looking for Auto Insurance in San Angelo, Texas? Trust Pronto Insurance!

 

If you’re worried about the consequences of driving without insurance in San Angelo, Texas, we recommend getting one as soon as possible.

At Pronto Insurance, we’re a trusted and experienced auto insurance company in San Angelo, TX. We’ve worked with different customers in the last decade and offer affordable and feasible auto insurance options to our clients. Our team aims to offer a hassle-free process to our clients.

Head to our website or get in touch with us to learn more about our services.