Does anyone here know how much I would pay for a ticket for driving with no insurance here in Corpus Christi, Texas?

Christie

Corpus Christi, TX

Hey, Christie of Corpus Christi, Texas. In Texas, like in most states, it is actually required for drivers to show some kind of proof that they can pay for any damages that they might cause in case they involve themselves in an accident. Most Texas drivers buy auto liability insurance for this purpose because this is actually the cheapest way. But the basic coverage may not be enough to guarantee enough financial protection for you and your car. The basic coverage in Texas is 20/40/15, which means that the law in Texas requires minimum coverage of $20,000 per injured person to a total of $40,000 for every person injured in an accident and $15,000 for the damages of property.

Now, when you buy an auto insurance policy, your insurance carrier will give you a proof-of-insurance card that you may show when asked by a law enforcement officer or if you’re going to register or renew your vehicle, or if you are getting or renewing your driver’s license or if you are having your car inspected.

If you are an uninsured motorist, and you are stopped by a traffic enforcement officer, Texas has corresponding penalties for this according to the state’s financial responsibility laws. For first offense, you may have to pay a fine of $175 to $350. The next convictions will be more of a hassle for you. You might pay from $350 to $1,000, and they could also suspend your driver’s license and impound your automobile.

So, Christie, I really suggest that you have your vehicle insured. It really comes in handy in times of need.

I would like to know if there is a mandatory suspension for driving without insurance or is it up to the court system and county’s judge? I live in New Jersey.

Martin

Camden, NJ

Driving uninsured is a serious violation in most areas. The penalty for this violation differs from state to state but can include large fines, impounding of your car (and payment of towing and storage charges incurred), license suspension or revocation, community service or jail time. In most states, such as New Jersey, the mandatory penalties for an individual found driving without insurance are even greater than those for an individual receiving a DUI citation for the first time.

This is regulated by each state.

Also, it is likely you will have to comply with the state’s financial responsibility laws by obtaining an SR22 or SR16.

Tags: auto insurance, driving without insurance, sr22 insurance

Can I have an sr22 without getting liability or insurance for my vehicle?

Kim

Thank you for asking Kim.

Most states usually require vehicle owners to purchase a minimum amount of bodily injury and property damage liability insurance before they can drive legally their vehicles. All states have laws on financial responsibility. This means that individuals involved in a car accident will be mandated to provide proof of financial responsibility up to certain minimum amount limits. To comply with financial responsibility laws, most drivers buy car liability insurance.

You may be able to purchase a non-owners liability SR22 policy if you do not own a motor vehicle.

Goodluck!

MariCAR

I just want to know what is an sr22? Why does it have to be carried?

Joe

Thank you for asking Joe.

SR-22 or financial responsibility certificate is proof that you have certain types of insurance, based upon the financial responsibility laws of your state and what they are mandating you to carry.

The reasons that an SR22 can be required differently from state to state. Generally, an Sr-22 is required when insurance policy is provided to a person who was involved accident or was convicted of a moving violation and was unable to show financial responsibility. Each state has different variations of this form and the insurance requirements.

The following SR-22s are associated with the following offenses in many states

* DUI or DWI or any serious moving violation
* At-fault accidents while driving without insurance
* Repeat traffic offenses or getting too many tickets in a short time period
* License suspension or revoked license

An SR-22 or financial responsibility certificate can and is mandated in many states as part of the reinstatement process after you have had your driver’s license suspended, revoked, canceled or lapsed. This can include suspension for being a habitual offender of moving violations or because of being behind in child support payments; it all depends on your specific state’s laws.

Goodluck!

MariCAR