Penalties for Expired Auto Insurance in Texas
Reader’s Question:
What penalty would I get if I present expired auto insurance here in San Antonio, Texas?
William
San Antonio, TX
In San Antonio, Texas, if a person shows expired auto insurance to an officer, he or she will be penalized under the “driving without insurance” offense. On the first conviction, the person will be required to pay a fine between $175 and $350. On the succeeding convictions, the fine may go up to $1,000 and even result to suspension of the driver’s license and impoundment of the vehicle.
If a person shows expired auto insurance to an officer while he or she is currently covered by insurance, then that person may go to court and clear the issue provided that he or she can show proof of insurance for the date of the incident.
The proof of insurance should have the following details in it:
1. Name, address and telephone number of the insured person
2. Insurance policy identification number
3. Policy’s inclusive dates (effective and expiration dates)
4. Name and address of people covered by the insurance
5. Limits or policy coverage
6. Model type of the vehicles covered
If one these details are not presented to the court, then the proof of insurance would be considered void. In a case like this, the defendant would have to come up with a new insurance card from the insurance company reflecting the required details on it. Otherwise, the insurance company may write a letter stating all of the details that were not previously presented in the insurance card.
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