Car Insurance in Houston
Reader’s Question:
Hi there. Can anyone tell me what the legal requirements for car insurance in Houston are? What will happen if you are caught without car insurance?
Eric
Houston, TX
The minimum requirements of car insurance in Houston as of April 2008 is based on a 25/50/25 scheme which means a minimum of $25,000 for injury or death per person with a maximum of $50,000 per accident as well as a $25,000 coverage for property damage. There are several ways to show proof of insurance in Houston such as a surety bond or self insurance, but I personally think getting car insurance in Houston would be more convenient.
It is a legal requirement in Houston to have proof of insurance at all times. If you are caught without proper insurance, you may be subject to fines. Get caught a second time and you are levied fines, and annual penalties, and your license and car registration gets suspended. The government might even have your vehicle impounded! In addition, your car insurance costs are likely to go up as car insurance companies will view you as a high risk driver. You will also be required to get an SR-22 before they will reinstate your license and registration. Trust me, you do not want this to happen as it will cost you more in the long run and add needless anxiety to your already hectic life.
To stress my point, I think it would be useful for you to remember that with the advances in technology, it is now much easier to access information. Suppliers who provide car insurance in Houston are required to report all insured clients policy effectivity dates, cancellations and expirations so they can detect who do not have insurance coverage or whose car insurance in Houston have lapsed. I strongly recommend that you get at least the minimum insurance coverage not just to abide by the state law but also for your own piece of mind.
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