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According to the Texas Department about Motor Automobiles, the state's drivers pay nearby to $900 million within auto insurance annually in portion to protect them from the 15 to 20 percent of motorists on Texas roads who are uninsured. To combat the escalating problem, the Texas Legislature passed any financial obligation verification program in May 2005 to confirm and harden the enforcement of auto insurance compliance.

Vehicle Insurance policy Corroboration

Designated state employees (license plus title office workers, to example) plus law enforcement offers can automatically verify a vehicle's insurance status via the TexasSure Vehicle Insurance Verification System. The state necessitates automobile insurance companies to update a database with buyers' insurance policy status when they obtain a policy. Insurance policy company updates receive synchronized with the state's system on a weekly foundation. The state occasionally mails insurance verification requests to licensed drivers. Customers must respond to insurance policy requests in a timely manner Internet or via postal mail.

The Texas Division about Motor Cars necessitates all drivers to maintain a minimum liability insurance policy scheme. Purchase coverage boundaries of at least $25,000 per wounded person, up to $50,000 per accident and at $25,000 for property damage, since of April 2008, growing to $30,000, $60,000 and $25,000 in January 2011. Any lending institution typically needs full-coverage insurance policy if you financed any one piece of your car purchase.

Proof of Insurance policy

Drivers must bring some card for evidence of insurance coverage in their car while driving or on their person when taking the car registered, licensed and inspected. Insurance firms generally issue a hard paper or plastic card by postal mail and an electronic or faxed temporary version that includes the automobile's VIN number, coverage amounts and dates regarding coverage.

Penalties

The Texas Department of Drive Vehicles charges first-time offenders increase to $350 in fines also extra court costs for driving uninsured. Multiple offenders will receive any fine up to $1,000 per incident and contain their driver's license suspended with dual long time.

Texas Automobile Insurance Plan Association

TAIPA offers insurance coverage to Texas residents and away-of-express Texas scholars or army who receive a refusal for insurance policy coverage out of two or more companies in some 60-daytime period. Applicants must have any valid U.S. or international driver's license. The company provides the express's minimum required coverage with an annual strategy with payment plans extend-capable up to 8 monthly installments. TAIPA 4301 Westbank Drive, Suite 200 Austin, TX 78746 customer.service@taipa.org 512-444-4441 866-321-9154 toll-free website