insurance question
02-05-2008, 01:04 PM
#22
I wish Everyone had insurance, that way if I wreck I wont be stuck with the bill and instead of paying extra for Full coverage I can just get Liability, Full Coverage is expensive but I need it, i drive 60 miles a day in Houston were the majority are minorities and are some what notoriously know for not having insurance. BTW I am hispanic, so there is no racism going on here, I just know allot of illegals and black people dont have insurance, Im not saying all just the ones I've encountered. Im sure there is more important things that they do with there money and insurance is not a priority, but still I wish it was enforced heavilly by Law enforcement. Plus if you are an illegal you can still get insurance, You Dont need a license to have Insurance.
BTW stay away from Reliant Stadium area on Wednesday, there are gonna be allot of drunk uninsured drivers coming out of the MExico vs USA game....lol
BTW stay away from Reliant Stadium area on Wednesday, there are gonna be allot of drunk uninsured drivers coming out of the MExico vs USA game....lol
02-05-2008, 01:12 PM
#23
You have to have insurance to:
Register a vehicle
Get your license
Renew your license
Get inspection
Get your car out of impound
Where I live, it's a $350 ticket the first offense, and you WILL be arrested 2nd offense period. You, sir, need to check your facts.
Edit: nevermind, I checked for you, here you go.
You must maintain an insurance policy for each vehicle you own; the policy must provide at least the following minimum amounts of coverage:
- $20,000 for bodily injury or death to one person per accident
- $40,000 for bodily injury or death to two or more persons per accident
- $15,000 for damage or destruction to other property in an accident
Penalty for Not Being Insured
All vehicles must be insured in Texas. The penalties for driving uninsured are substantial, starting with a fine between $175 and $350 for a first-time offense. Not a quick learner? The fines skyrocket on the second and that second offense can result in the suspension of your driver license and the impoundment of your vehicle.
It can also kick in a nasty little citation labeled "failure to maintain financial responsibility." This offense is in the category of "surchargeable violations."A surchargeable violation means that you may pay the fine for the ticket―and then pay an additional penalty each year for up to three years. This penalty applies even if you maintain your insurance perfectly from that point on. For more information on this interesting twist in Texas law, read about the Texas point system.
All vehicles must be insured in Texas. The penalties for driving uninsured are substantial, starting with a fine between $175 and $350 for a first-time offense. Not a quick learner? The fines skyrocket on the second and that second offense can result in the suspension of your driver license and the impoundment of your vehicle.
It can also kick in a nasty little citation labeled "failure to maintain financial responsibility." This offense is in the category of "surchargeable violations."A surchargeable violation means that you may pay the fine for the ticket―and then pay an additional penalty each year for up to three years. This penalty applies even if you maintain your insurance perfectly from that point on. For more information on this interesting twist in Texas law, read about the Texas point system.
Second or subsequent ticket for no liability insurance. If a person is convicted of a second offense for no-liability insurance, the person is subject to license suspension. Texas Transportation Code 601.231, 37 Texas Administrative Code 25.19
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Last edited by Scoggin Dickey; 02-05-2008 at 01:23 PM.
02-05-2008, 01:13 PM
#24
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Chances are, if you aren't here legally, you probably won't care or know to have insurance either....or wear seat belts, or use child safety seats, or drive while not intoxicated, etc., etc.
Don't mistake my comments for racism, I'm all for legal immigration, my g/f is a legal immigrant with a green card. I just hate people that don't obey our laws, especially when they get away with it while we are forced to pay for all the stuff we get caught doing....if a cop pull over an illegal they just turn the other cheek because it's too much of a hassle, where as if it's us, it's just another tax collector collecting more taxes for the city or county.....yet when you go to Mexico, if you get caught, there is no turning the other cheek....just turning your wallet inside out to make sure you are broke & extorted.
Don't mistake my comments for racism, I'm all for legal immigration, my g/f is a legal immigrant with a green card. I just hate people that don't obey our laws, especially when they get away with it while we are forced to pay for all the stuff we get caught doing....if a cop pull over an illegal they just turn the other cheek because it's too much of a hassle, where as if it's us, it's just another tax collector collecting more taxes for the city or county.....yet when you go to Mexico, if you get caught, there is no turning the other cheek....just turning your wallet inside out to make sure you are broke & extorted.
02-05-2008, 03:04 PM
#25
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Since you have the burden of proof, why don't YOU look it up and find out where it says you DON'T have to have it.
My parents and my wife have been in the insurance industry a COMBINED 50 years....trust me.....
20/40/15 is REQUIRED at ALL times.
If you really think you don't, then how did you get your Texas driving license? When you must show proof of insurnace get get your license?
Or register your car, proof is required there as well.
My parents and my wife have been in the insurance industry a COMBINED 50 years....trust me.....
20/40/15 is REQUIRED at ALL times.
If you really think you don't, then how did you get your Texas driving license? When you must show proof of insurnace get get your license?
Or register your car, proof is required there as well.
Where the hell have you been living? Texas has required liability for as long as I've been driving & that's going on 20 years.
Prove it sir, there is absolutely nothing you can show that does.
You have to have insurance to:
Register a vehicle
Get your license
Renew your license
Get inspection
Get your car out of impound
Where I live, it's a $350 ticket the first offense, and you WILL be arrested 2nd offense period. You, sir, need to check your facts.
Edit: nevermind, I checked for you, here you go.
You have to have insurance to:
Register a vehicle
Get your license
Renew your license
Get inspection
Get your car out of impound
Where I live, it's a $350 ticket the first offense, and you WILL be arrested 2nd offense period. You, sir, need to check your facts.
Edit: nevermind, I checked for you, here you go.
as for the section you quoted. you need to go and read the actual laws and post them insted of quoting from DMV.org "the unofficial guide to the DMV"
you want me to prove that somthign does not exist???? there is no law that says "insurance is not required by law"
why dont you show me where it says we are not required to ride elephants to work on sundays.
show me a law that states that you are required by law to have insurance in texas.... IT DOES NOT EXIST.
02-05-2008, 03:18 PM
#28
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yes I do. I never said I did not.
It is obvious that the people saying that insurance is required by law have never read the actual laws.
Would anyone be willing to make a wager on this issue?
It is obvious that the people saying that insurance is required by law have never read the actual laws.
Would anyone be willing to make a wager on this issue?
02-05-2008, 03:25 PM
#30
You obviously have no idea what you are talking about. I won't sit here and argue with someone who has no regard for the facts. Think what you want, next time you try to do any of those things don't give them your insurance card and try to tell them you don't have to have insurance and they will send you away. Next time you get pulled over, tell the officer you don't have insurance and see what happens. Explain to me what will happen in that situation? You will tell the officer he doesn't know the law and that you don't have to show proof of insurance?
Chapter 601.051 CLEARLY states the required financial responsibility to operate a motor vehicle.
Chapter 601.051 CLEARLY states the required financial responsibility to operate a motor vehicle.
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Last edited by Scoggin Dickey; 02-05-2008 at 03:38 PM.
02-05-2008, 03:37 PM
#32
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A link you say? here you go: http://tlo2.tlc.state.tx.us/statutes/tn.toc.htm
willing to put a little cash on the line? I doubt you are.
02-05-2008, 03:43 PM
#33
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Yeah, the law states that you have to have proof of financial responsibility. If you have a certain amount of money you can basically 'insure yourself'. But you still have to have that proof. Now, how many people that have lots of money insure themselves? I don't know anyone that does, even though I only know a few people that can afford to do so....they still use insurance.
02-05-2008, 03:44 PM
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Chapter 601.051 CLEARLY states the required financial responsibility to operate a motor vehicle.
section 601.053 would also be a good one to copy/paste here.
02-05-2008, 03:51 PM
#35
Brook (aggie) just likes to make friends. 
It is a play on words. You are not required to have "insurance" but you are required to have "coverage". Meaning, you can get an insurance policy or you can put up $75K cash in a bond with the TX DPS and show proof of that bond. It is basically the same as buying your own insurance policy, since you can't touch the cash in that bond unless you quit driving. Most people would rather pay a small monthly note than to tie up that much cash with the DPS and trust that they will manage it properly.
It is a play on words. You are not required to have "insurance" but you are required to have "coverage". Meaning, you can get an insurance policy or you can put up $75K cash in a bond with the TX DPS and show proof of that bond. It is basically the same as buying your own insurance policy, since you can't touch the cash in that bond unless you quit driving. Most people would rather pay a small monthly note than to tie up that much cash with the DPS and trust that they will manage it properly.
02-05-2008, 03:54 PM
#36
Brook (aggie) just likes to make friends.
It is a play on words. You are not required to have "insurance" but you are required to have "coverage". Meaning, you can get an insurance policy or you can put up $75K cash in a bond with the TX DPS and show proof of that bond. It is basically the same as buying your own insurance policy, since you can't touch the cash in that bond unless you quit driving. Most people would rather pay a small monthly note than to tie up that much cash with the DPS and trust that they will manage it properly.
It is a play on words. You are not required to have "insurance" but you are required to have "coverage". Meaning, you can get an insurance policy or you can put up $75K cash in a bond with the TX DPS and show proof of that bond. It is basically the same as buying your own insurance policy, since you can't touch the cash in that bond unless you quit driving. Most people would rather pay a small monthly note than to tie up that much cash with the DPS and trust that they will manage it properly.
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02-05-2008, 03:55 PM
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Brook (aggie) just likes to make friends.
It is a play on words. You are not required to have "insurance" but you are required to have "coverage". Meaning, you can get an insurance policy or you can put up $75K cash in a bond with the TX DPS and show proof of that bond. It is basically the same as buying your own insurance policy, since you can't touch the cash in that bond unless you quit driving. Most people would rather pay a small monthly note than to tie up that much cash with the DPS and trust that they will manage it properly.
It is a play on words. You are not required to have "insurance" but you are required to have "coverage". Meaning, you can get an insurance policy or you can put up $75K cash in a bond with the TX DPS and show proof of that bond. It is basically the same as buying your own insurance policy, since you can't touch the cash in that bond unless you quit driving. Most people would rather pay a small monthly note than to tie up that much cash with the DPS and trust that they will manage it properly.
I just wanted to see how far these people were going to take this arguement. I dont usually argue things like this unless I know I am right.
If you go to the link that Scoggin Dickey provided and read the section 601.051 and the sections it references to it is pretty clear that insurance is not required by law. financial responsibility is required by law and an insurance policy is one means of financial responsibility.
02-05-2008, 03:58 PM
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well I didnt find anything about insurance on the site, Im actually surprised, but riddle me this, if you dont have proof of insurance, or dont have any insurance, then why are you ticketed and then once you show the court that you did in fact have insurance during the time you were pulled over they throw the ticket out. If you didnt have insurance you get that nice 350 fine and I believe points on your record
02-05-2008, 03:59 PM
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Whats really funny is all this arguing, to find out that you do need insurance...
A bond with 75K in it seems like insurance to me...
But if anyone seen the news the other night, they are about to pass the law that
if you get pulled over here in this state without insurance..
guess what, you will be walking home.. LOL
They did that in New Mexico a few years ago, and I have alot of brothers I was giving rides to quite often.. LOL
also the whole registering your vehicle deal..
will they accept the bond there, or will they **** with you and say you cant register without proof of insurance....
A bond with 75K in it seems like insurance to me...
But if anyone seen the news the other night, they are about to pass the law that
if you get pulled over here in this state without insurance..
guess what, you will be walking home.. LOL
They did that in New Mexico a few years ago, and I have alot of brothers I was giving rides to quite often.. LOL
also the whole registering your vehicle deal..
will they accept the bond there, or will they **** with you and say you cant register without proof of insurance....