State-Wide Policy on Verifying Uninsured Drivers

In June 2008, Texas started implementing a computer database in all of its law enforcement cruisers, which will allow officers to verify drivers' insurance on-scene. This will basically eliminate the chance for uninsured drivers to avoid a costly ticket simply by presenting the police officer with a fake or expired insurance card. This is good news for those of you who buy insurance, and bad news if you are illegally uninsured.

The purpose of the new technology is to encourage those uninsured motorists to obtain the proper coverage. Being caught without insurance could result in a maximum fine of $350 and repeat-offenders could lose their license for up to two years.

Approximately 20 percent of drivers are driving around uninsured. According to Texas law, $25,000 is required per injured person for liability insurance and that same number is required for property damage. Additionally, up to $50,000 is required by law for everyone injured in an accident.

More than 200 insurance companies have jumped on board with the program, giving information to law enforcement about policyholders for the verification system. This number will no doubt increase as the new system starts to take effect.

So save yourself the hassle and the fine and get proper insurance coverage today. For a discussion on uninsured/underinsured motorists coverage (UM/UIM), see Your Own Insurance Policy.

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For a free consultation on your rights--including what options you have if you are injured by an uninsured driver, call the Anderson Law Firm at 817-294-1900 or Contact Us Online.

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