Who must carry at least the minimum liability insurance in Texas?

All owners and operators of motor vehicles

What is the purpose of the Texas Motor Vehicle Safety Responsibility Act?

To make drivers financially responsible for harm they cause

To set speed limits on state highways

To require a yearly vehicle inspection

Besides a law enforcement officer, who can require you to show evidence of financial responsibility?

Another person involved in a crash with you

May you show proof of insurance as an image on your phone?

Yes, if it has the required information

No, only a paper card is accepted

Only if the officer agrees to it

Which item must appear on the standard proof of liability insurance form?

The make and model of each covered vehicle

The driver’s home phone number

The current mileage of each vehicle

You were insured but could not show proof and got a citation. What can the court do?

Dismiss it if you show you were insured

Nothing, the charge always stands

Suspend your license on the spot

When you are required to keep evidence of financial responsibility after a conviction, for how long must you keep it?

Two years from the most recent conviction

One year from the most recent conviction

Five years from the most recent conviction

Safety responsibility

Practice this topic17 questions

Questions and answers

What is the minimum liability insurance in Texas for injury or death of one person?

$30,000

Texas requires at least $30,000 of coverage for injury or death of one person.
Chapter 3 · The Liability Insurance Law ↗PDF, 29 MB
What is the minimum liability insurance for injury or death of two or more people?

$60,000

The minimum coverage for injury or death of two or more people in one crash is $60,000.
Chapter 3 · The Liability Insurance Law ↗PDF, 29 MB
What is the minimum liability insurance for property damage?

$25,000

Texas requires at least $25,000 of property damage coverage.
Chapter 3 · The Liability Insurance Law ↗PDF, 29 MB
Who must carry at least the minimum liability insurance in Texas?

All owners and operators of motor vehicles

Every owner or operator of a motor vehicle in Texas must have at least the minimum liability coverage.
Chapter 3 · The Liability Insurance Law ↗PDF, 29 MB
What is the purpose of the Texas Motor Vehicle Safety Responsibility Act?

To make drivers financially responsible for harm they cause

The Act makes sure drivers can pay for death, injury or property damage they cause while driving.
Chapter 3 · The Liability Insurance Law ↗PDF, 29 MB
Besides a law enforcement officer, who can require you to show evidence of financial responsibility?

Another person involved in a crash with you

You must show proof of financial responsibility to an officer on request or to another person involved in a crash.
Chapter 3 · The Liability Insurance Law ↗PDF, 29 MB
May you show proof of insurance as an image on your phone?

Yes, if it has the required information

An image on a wireless device is accepted if it includes the same information as the standard insurance form.
Chapter 3 · Evidence of Financial Responsibility ↗PDF, 29 MB
Which item must appear on the standard proof of liability insurance form?

The make and model of each covered vehicle

The form lists the insurer, policy number and period, each insured, policy limits and each covered vehicle’s make and model.
Chapter 3 · Evidence of Financial Responsibility ↗PDF, 29 MB
Instead of insurance, a vehicle owner may deposit money or securities with the state comptroller. What is the minimum amount?

$55,000

A comptroller certificate showing at least $55,000 on deposit is accepted as evidence of financial responsibility.
Chapter 3 · Evidence of Financial Responsibility ↗PDF, 29 MB
To get a DPS certificate of self-insurance, a person must have more than how many vehicles registered in their name?

25

Self-insurance certificates are for people with more than 25 registered vehicles.
Chapter 3 · Evidence of Financial Responsibility ↗PDF, 29 MB
You were insured but could not show proof and got a citation. What can the court do?

Dismiss it if you show you were insured

The court may dismiss the charge if you prove a liability policy was in effect when the citation was issued.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB
What is the fine for a first conviction of driving without evidence of financial responsibility?

$175 to $350

A first conviction brings a fine of $175 to $350.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB
What is the fine for a second conviction of driving without evidence of financial responsibility?

$350 to $1,000

A second or later conviction brings a fine of $350 to $1,000, license suspension and possible impoundment.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB
After a second conviction for driving without insurance, an owner’s vehicle can be impounded for how long?

180 days

The court can impound the vehicle for 180 days and release it only after proof of financial responsibility is shown.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB
Your license and registration will be suspended if a crash judgment against you is not paid within how long?

60 days

An unsatisfied crash judgment leads to suspension after 60 days.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB
While uninsured, you are in a crash that causes property damage. At what amount of damage can your license be suspended?

At least $1,000

An uninsured driver in a crash with injury, death or at least $1,000 of property damage can be suspended if a judgment is likely.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB
When you are required to keep evidence of financial responsibility after a conviction, for how long must you keep it?

Two years from the most recent conviction

Your license and registration can be suspended if you fail to keep this proof for two years from the latest conviction date.
Chapter 3 · Failure to Provide Evidence of Financial Responsibility ↗PDF, 29 MB

Safety responsibility

Questions and answers

What is the minimum liability insurance in Texas for injury or death of one person?

What is the minimum liability insurance for injury or death of two or more people?

What is the minimum liability insurance for property damage?

Who must carry at least the minimum liability insurance in Texas?

What is the purpose of the Texas Motor Vehicle Safety Responsibility Act?

Besides a law enforcement officer, who can require you to show evidence of financial responsibility?

May you show proof of insurance as an image on your phone?

Which item must appear on the standard proof of liability insurance form?

Instead of insurance, a vehicle owner may deposit money or securities with the state comptroller. What is the minimum amount?

To get a DPS certificate of self-insurance, a person must have more than how many vehicles registered in their name?

You were insured but could not show proof and got a citation. What can the court do?

What is the fine for a first conviction of driving without evidence of financial responsibility?

What is the fine for a second conviction of driving without evidence of financial responsibility?

After a second conviction for driving without insurance, an owner’s vehicle can be impounded for how long?

Your license and registration will be suspended if a crash judgment against you is not paid within how long?

While uninsured, you are in a crash that causes property damage. At what amount of damage can your license be suspended?

When you are required to keep evidence of financial responsibility after a conviction, for how long must you keep it?

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