Penalty For Driving Without Insurance in Dallas Texas
Reader’s Question:
What will be the legal penalties for driving without car insurance in Dallas Texas?
Josh
Dallas, TX
There are harsh legal penalties for driving without insurance in Dallas Texas. There is a a fine between $175 up to $350 for the first offense. Subsequent violations could result in fines of $350 up to $1,000, driver’s license and registration suspension and impound of your motor vehicle. Driving without insurance in Texas is a misdemeanor, and therefore a criminal violation, but it is considered less serious in nature compared to felony violations such as felony DWI or vehicular homicide.
In addition, if a person was at fault in a car accident and were found to be driving without insurance then the state of Texas do require them to pay for the injuries or damages they caused.
Non Owners Car Insurance in Dallas Texas
Reader’s Question:
I have a question about non owners policy. If the driver has a non-owners insurance policy and was at fault in an accident, which insurance coverage is considered primary for third party damage or liability?
Dallas, TX
According to the Texas Insurance Commissioner’s information sheet on the pros and cons of this non-owners insurance states that named non-owner policy is always in excess of the liability coverage purchased by the owner of the vehicle being driven. Therefore if you got involved in an accident, the car owner’s liability insurance pays first, up to the limits of the car owner’s policy. The non-owner policy comes into picture only if the cost of property damage and/or injuries goes over the limits of the car owner’s liability policy.
This may vary in other States but generally in Dallas the owner of the car’s insurance is primary and the driver’s insurance, non-owners or other type of insurance policy, is secondary or excess regarding third party liability or damage.
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