Residents of San Antonio, Texas need to recognize that auto coverage is a requirement of the state. It does not matter whether you live in Bexar County or Comal County, the state of Texas does have minimum car insurance requirements. Recognizing the penalties you are likely to pay if you do not obtain a policy will help you make an educated decision about the situation.
Costs of an Accident
A major penalty that you might face if you cause an accident and you are not insured is the cost of repairing the vehicles and medical expenses that result from the accident. Paying for the medical costs of the other party can cost a great deal, especially if the accident caused serious injuries.
The courts will order you to pay the cost of vehicle repairs and medical bills if you caused the accident. If you have insurance, those expenses are covered by your insurance provider. As your independent agent, we suggest that you always have insurance that meets the state minimum requirements to avoid a financial situation that can ruin your normal lifestyle.
Although the major financial loss of an accident is a key reason to obtain insurance, in the state of Texas you are also subject to paying a fine if you do not have any auto coverage. The fine will depend on whether it is your first offense or if you have gone without insurance in the past. Even a first offense will have a fee that can reach $350.
Beyond the fees from the court, you will also have additional surcharges for renewing and maintaining your driver’s license.
Losing a License
In some situations, the court will decide to suspend your driver’s license in the state of Texas. Due to that risk, it is usually better to obtain some form of insurance rather than face the possibility of losing the privilege of driving.
You need auto coverage to protect your personal assets as well as prevent the legal penalties. Protecting yourself and other drivers is a requirement in the state of Texas.