You must have car insurance while driving in Texas. Yes, driving without insurance is a misdemeanor in Texas, but you won't be arrested. While you may not face jail time, the fines, fees and hassles mentioned above are more than enough of an incentive to comply with legal road requirements. However, fines won't be the only problem for those caught driving in Texas without car insurance.
Depending on the agent present at the scene, your car may be confiscated immediately, leaving you without transportation and with additional seizure charges. If the officer detaining you decides not to confiscate your car, the court still has the option, depending on where you were charged. Texas requires that all drivers have insurance by law. If you drive uninsured in Texas, you can face serious consequences if you're involved in a car accident.
You cannot be left without car insurance for any period of time if you have a car parked or driven on public property. Bankrate's insurance editorial team used their decades of combined industry experience to analyze what to expect if you're caught driving uninsured in the Lone Star State. Even if you have a history of driving without insurance, you can save on your premium by comparing quotes from the cheapest insurance companies in California. In addition, your license can be suspended for up to four years if you have an accident while you don't have insurance.
While cars are never allowed on the road without insurance, there are some situations where you can be left without car insurance. If you have an accident while driving without insurance in Florida, you will be penalized for driving without insurance no matter who is at fault. In addition, comprehensive coverage or a storage insurance policy for a car in a private garage is still recommended. Even if the accident isn't your fault, driving without insurance leaves you vulnerable to expensive hospital bills and repairs.
The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. Not having car insurance can be a costly mistake between fees, penalties and potential financial liability. Driving without insurance in Texas is an expensive proposition, and even a single lapse can cost more than an entire year of car insurance. You may also find that the car insurance rates offered to you after a first violation are also higher than usual.
In addition, you must carry a valid proof of insurance in your vehicle and present it to law enforcement if requested. Read the full answer, the grace period and allowing your insurance coverage to expire will result in higher premiums in the future. They say everything is bigger in Texas, and the state's problem with uninsured drivers is no exception.