Anderson Injury Lawyers | August 29, 2025 | Car Accidents
Driving without insurance in Texas can lead to serious consequences. Many drivers wonder what happens if they get caught driving without insurance, especially if it’s a first offense. The reality is that Texas takes this violation seriously, and the penalties can escalate quickly if it happens more than once.
The risk becomes even greater if you’re involved in a car accident while uninsured, since you could be personally responsible for paying the other driver’s damages out of pocket.
Texas Insurance Requirements
Texas law requires all drivers to carry a minimum amount of liability insurance.
This is sometimes called “30/60/25” coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage
This coverage is designed to pay for the other party’s losses if you cause a crash. If you are caught driving without this minimum coverage, you could face immediate penalties, even if you weren’t involved in an accident.
First-Time Offense Penalties
If you are pulled over and cannot provide proof of insurance, a police officer may issue a citation.
For first-time offenders, the penalties typically include:
- A fine between $175 and $350
- Additional court fees and administrative costs
- A possible surcharge applied annually for three years
- A mark on your driving record
In some cases, the court may reduce the fine if you obtain valid insurance and show proof before your court date. However, this is not guaranteed, and the violation may still remain on your record.
Repeat Offenses Carry Steeper Consequences
If you’re caught driving without insurance more than once, the penalties increase significantly.
Repeat offenses may include:
- Fines up to $1,000
- Suspension of your driver’s license
- Impoundment of your vehicle
- Mandatory SR-22 insurance filing
- Difficulty renewing your registration
SR-22 is a certificate that proves you carry the required insurance. It’s often required for high-risk drivers and must be maintained for at least two years. This type of policy is more expensive and can lead to long-term financial strain.
Penalties After an Accident
Getting into an accident while uninsured can be financially devastating.
If you are at fault and don’t have insurance, you may be personally responsible for all damages, including:
- Medical bills
- Property repair or replacement
- Lost wages
- Pain and suffering
The other driver or passengers may also sue you, and any judgment against you could result in wage garnishment or liens on your property.
In some cases, the state may also suspend your license and registration until damages are paid or a payment agreement is in place.
Criminal Charges and Fraud
In Texas, providing false insurance information or using fake documents can lead to criminal charges.
If you’re caught presenting fraudulent proof of insurance, you may face:
- Misdemeanor charges
- Fines
- Jail time
- Additional license penalties
This is a separate offense from simply not having insurance and will carry much harsher consequences.
How to Fix the Situation
If you’ve been caught driving without insurance, you can take steps to reduce the impact:
- Purchase a valid auto insurance policy immediately
- Keep a digital or printed copy of your proof of coverage in your vehicle
- Attend your court hearing and show proof of insurance
- Ask the court about options to reduce your fine or keep the violation off your record
You can compare insurance policies online or speak with an agent about affordable coverage that meets the state’s minimum requirements.
Contact the Dallas Car Accident Lawyers at Anderson Injury Lawyers for Help Today
If you’re caught driving without insurance in Texas, the penalties can include fines, license suspension, vehicle impoundment, and long-term financial damage, especially if you’re involved in a crash. Getting insured quickly, understanding your options, and addressing the violation head-on is the best way to protect your license and avoid even more serious consequences.
If you’ve been involved in a car accident without insurance, Anderson Injury Lawyers is here to help. Contact us today for a free consultation with a Dallas car accident attorney.
If you’ve been injured in an accident in Fort Worth, Dallas, or Austin and need legal help, contact our personal injury lawyers at Anderson Injury Lawyers to schedule a free consultation. We proudly serve Tarrant County, Dallas County, and throughout Texas.
Anderson Injury Lawyers – Fort Worth Office
1310 W El Paso St, Fort Worth, TX 76102
(817) 294-1900
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