Drivers in Texas must carry liability insurance when they operate a vehicle on the roadway. This type of insurance helps cover any damages that they may cause in a car accident. Driving without insurance is a violation of the law, and it could lead to some serious consequences.
At Zehl & Associates, we’ve recovered Billions for accident victims in Texas and nationwide, including some of the largest verdicts and settlements in history. With decades of experience and a proven track record of representing thousands of injured clients, our undefeated Texas car accident attorneys know exactly what it takes to fight for the maximum compensation you and your family deserve
Keep reading to learn the penalties for driving without insurance in Texas — and how much your ticket could cost.
Penalties for Driving Without Insurance in Texas
If you are caught driving without insurance in Texas, you could be found guilty of a misdemeanor offense. Texas law states that operating a vehicle in violation of the mandatory liability insurance rules is considered a misdemeanor. You could see penalties of:
- Fines: At least $175 to no more than $350 for a first offense, and up to $1,000 for subsequent offenses
- Jail time: Up to 6 months in jail in some situations
- License suspension: You could lose your license for some period of time and be forced to pay reinstatement fees of $100 or more
- Higher insurance premiums: When you purchase insurance after one of these offenses, your premiums are likely to be higher
- Vehicle impoundment: Your car may be impounded, and you will be responsible for all the impound fees
- Financial responsibility for damages: If you cause a car accident, you could be personally on the hook for all the damages you cause
In addition to the penalties above, you would also carry a misdemeanor conviction on your record. This is why it is so important to follow the rules when it comes to carrying insurance coverage on your vehicle.
Liability Insurance Requirements in Texas
There are many types of auto insurance coverages available, but the only mandatory coverage in Texas is liability insurance. Additionally, drivers must carry certain minimum amounts of liability coverage. The minimum liability insurance requirements in Texas are:
- $30,000 per person for injuries
- $60,000 per accident for injuries
- $25,000 for property damage
Many drivers choose to purchase additional coverage beyond these basic minimum requirements. If you cause an accident that results in severe injuries, the minimum coverages mentioned above are not likely to cover all the losses suffered by the victim. You could be personally responsible for the difference if you don’t have enough insurance.
What Happens if I’m in an Accident With a Driver Who Doesn’t Have Insurance?
Roughly 20% of drivers in Texas don’t carry insurance. If you’re involved in a crash with one of them, here are the steps you should take:
- Seek medical attention: Get immediate treatment for any injuries. Your health and safety are the top priority.
- Notify the police: Call law enforcement so they can respond to the scene and prepare an official crash report.
- Exchange information: Even if the other driver lacks insurance, collect their name, address, license plate number, and contact details. The police report can also provide this if you’re unable to.
- Gather evidence: Take photos of the vehicles, damage, and the surrounding area. This documentation can be vital later.
- Collect witness details: Ask for names and contact information from anyone who saw the accident in case their testimony is needed.
- Inform your insurance company: Report the accident promptly, as you may need to file a claim under your uninsured motorist coverage.
- Consult an attorney: An experienced car accident lawyer can assess available coverage, explain options like uninsured motorist protection, and pursue the compensation you deserve.
Collisions with uninsured drivers can create unique challenges, but taking these steps helps protect your health, finances, and legal rights. Partnering with a skilled attorney gives you the best chance at securing fair compensation.
A Personal Injury Attorney Can Help
Driving without insurance in Texas can lead to steep fines, license suspensions, and even personal liability for accident damages. While meeting the state’s minimum liability requirements is mandatory, carrying additional coverage offers greater protection.
If you’ve been in a crash with an uninsured driver or are dealing with an insurance dispute, a personal injury attorney can help protect your rights and pursue the compensation you deserve. To learn more, reach out to Zehl & Associates to schedule a free consultation.
Zehl & Associates Injury & Accident Lawyers – Houston
2700 Post Oak Blvd #1000, Houston, TX 77056
(888) 603-3636
Open 24 hours
Zehl & Associates Injury & Accident Lawyers – Midland
306 W Wall St Suite 701, Midland, TX 79701
(432) 220-0000
Open 24 hours