TX DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: In Texas, what is the minimum liability coverage required for bodily injury per accident?
- $30,000
- $60,000 (Correct answer)
- $25,000
- $50,000
Correct answer: $60,000
Texas requires minimum bodily injury liability of $30,000 per person and $60,000 per accident.
Question 2: What does the 'financial responsibility' law in Texas require drivers to prove?
- They own their vehicle outright
- They can pay for damages they cause in a crash (Correct answer)
- They have a valid driver's license
- They completed a defensive driving course
Correct answer: They can pay for damages they cause in a crash
Texas financial responsibility law requires drivers to show they can cover damages or injuries they cause in an accident.
Question 3: Which document is NOT an acceptable proof of financial responsibility in Texas?
- Liability insurance card
- Surety bond certificate
- Vehicle registration receipt (Correct answer)
- Certificate of self-insurance
Correct answer: Vehicle registration receipt
A vehicle registration receipt does not prove financial responsibility; acceptable forms include insurance cards, surety bonds, and self-insurance certificates.
Question 4: If a Texas driver is caught without liability insurance, what is the fine for a FIRST offense?
- $100 to $350
- $175 to $350 (Correct answer)
- $500 to $1,000
- $250 to $500
Correct answer: $175 to $350
A first offense for driving without insurance in Texas carries a fine of $175 to $350.
Question 5: What happens to a Texas driver's license if they are convicted of a second no-insurance offense within five years?
- It is suspended for 30 days
- It is suspended for 180 days (Correct answer)
- It is permanently revoked
- They must retake the driving test
Correct answer: It is suspended for 180 days
A second no-insurance conviction within five years in Texas results in a 180-day license suspension.
Question 6: A Texas driver deposits $55,000 in cash or securities with the state comptroller. This is considered which form of financial responsibility?
- Surety bond
- Self-insurance
- Cash deposit (Correct answer)
- Liability waiver
Correct answer: Cash deposit
A cash deposit of $55,000 with the state comptroller is one of the approved forms of financial responsibility under Texas law.
Question 7: Which state agency verifies that Texas vehicle owners maintain continuous liability insurance?
- Texas Department of Public Safety
- Texas Department of Insurance
- Texas Department of Motor Vehicles (Correct answer)
- Texas Office of the Attorney General
Correct answer: Texas Department of Motor Vehicles
The Texas DMV (TxDMV) oversees the TexasSure insurance verification program to confirm continuous coverage.
TX DMV Insurance and Financial Responsibility 2
In Texas, what is the minimum liability coverage required for bodily injury per accident?