What will Happen if You get Caught Without Auto Insurance?

There are severe penalties when you drive without auto insurance. And for the state of Texas, the following includes penalties for not having auto insurance: 

1. First Offense 

You will be required to pay approximately $175 to $350. Some people may think that this fine is not such a stiff penalty. However, first offenders must also pay a yearly $250 surcharge for three years consecutively. 

To add more burden, you will be considered a higher risk due to receiving a ticket for not driving with auto insurance. So, now you will have to get an auto insurance policy that is more expensive. You will also be required to file an SR22 through your insurance company for verification to show that you are carrying state-required liability coverage. 

2. Second and Subsequent Offenses

With another offense, you will face the following offenses:

  • Fines ranging from $350 to $1,000
  • Three, consecutive, annual surcharges costing $250
  • A possible order by the court to impound your vehicle for 180 days in which you will be required to pay a $15 daily fee for impoundment. 

PLEASE NOTE: There is an indigency program for those with low income. And even though this program significantly reduces annual surcharges, you will still be responsible for the hefty fines. 

3. Being in an Accident and Uninsured

If you are in an accident and you are not insured, there will be fines, possible vehicle impoundment, and driving privilege suspension. Furthermore, if there is a serious injury or death and you are responsible for the accident, you may face a $4,000 fine and may spend a year in jail. You also must file an SR-22 for three years. You will have up to a two-year suspension of your license and vehicle registration. You also will be totally liable for all property damages and physical injuries due to being at-fault for the accident.

Conclusion

Don’t get caught up like this! Get insurance today from a proven insurance company today! For more information and to get your insurance needs met, Access Insurance Services is the one to turn to. Located in San Antonio, TX, Access Insurance Services is BBB-certified and has been serving San Antonio, TX and surrounding areas since 1993.