What Happens If You Get Into an Accident Without Insurance?

Driving without insurance in Texas can lead to serious legal and financial trouble—especially if you’re involved in an accident. Texas law requires all drivers to carry liability insurance to cover the cost of any damages or injuries they may cause in a crash. Failing to carry insurance not only breaks the law, but it also puts you at risk for harsh consequences.

Legal Penalties for Driving Uninsured

If you’re caught driving without insurance, even if you’re not in an accident, you can face steep fines, fees and other penalties. A first offense typically results in a citation, and repeated offenses can lead to license suspension, vehicle impoundment and other consequences.

If You’re at Fault in an Accident

Texas follows a “fault” system when it comes to auto accidents. This means the driver who causes the accident is financially responsible for all resulting damages. If you’re at fault in an accident and don’t have insurance, you may have to pay medical bills, vehicle repairs and even legal costs out of your own pocket. This can lead to serious financial strain.

If You’re Not at Fault

Even if the accident wasn’t your fault, not having insurance can complicate things. While you may still be able to file a claim against the at-fault driver, your lack of coverage could limit your options or weaken your legal standing. In some cases, it may even impact your ability to recover compensation.

Auto Insurance Coverage Near Me

Having car insurance isn’t just a legal requirement in Texas; it’s essential protection for your financial future. Without it, one accident could have a lasting impact on your life and your finances. Contact Primo Tax & Insurance today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.