TexasSure Vehicle Insurance Verification
General Information
General Information
What is TexasSure?
What is TexasSure supposed to do?
When did TexasSure begin operations?
How does TexasSure benefit the average driver?
How many uninsured vehicles are there in Texas?
Do other states have programs like this? How do they work?
What’s happened in other states with this kind of program?
Who is behind TexasSure?
How much is TexasSure going to cost the State? How is it funded?
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Answers
What is TexasSure?
TexasSure is a new vehicle insurance verification system that allows law enforcement and county tax officials to confirm whether a vehicle in Texas has required personal auto liability insurance coverage. Back
What is TexasSure supposed to do?
TexasSure will help reduce the number of uninsured vehicles in Texas. It is expected to help stop the actions some motorists take to avoid the law, such as using counterfeit proof of insurance cards or obtaining insurance to get a card and then promptly canceling the policy once they’ve renewed their car registration or had their vehicle inspected. Back
When did TexasSure begin operations?
Following extensive testing, the Texas Department of Motor Vehicles (TxDMV) implemented the program in all county Tax Assessor-Collector offices in June 2008 for registration purposes and the Texas Department of Public Safety (DPS) implemented the program statewide on October 1, 2008 for law enforcement use. Back
How does TexasSure benefit the average driver?
TexasSure helps Texans by reducing the number of uninsured vehicles. Estimates are that law-abiding motorists pay almost $1 billion in extra costs in insurance premiums every year to protect themselves against the millions of drivers in Texas who don’t have car insurance or who are underinsured. Research shows insured drivers strongly support any effort to keep uninsured drivers off the road. Back
How many uninsured vehicles are there in Texas?
It is estimated that one in five Texas vehicles is uninsured. That’s nearly 4 million cars without insurance or about 20 percent of all vehicles in Texas. In some areas of the state, the concentration of uninsured vehicles may be even higher. Back
Do other states have programs like this? How do they work?
More than 30 other states have some type of auto insurance verification program. Some states have programs similar to what we have in Texas, but none are exactly the same. Some states have a simple random sample method where letters are sent to owners of registered vehicles asking them to verify insurance. Other states verify insurance after a transaction has taken place, such as vehicle registration. Back
What has happened in other states with this kind of program?
Every state that instituted some type of auto verification program has seen a reduction in the number of uninsured vehicles. Back
Who is behind TexasSure?
Getting uninsured motorists off the road is a collaborative effort. The TexasSure vehicle insurance verification database is a joint project of the Texas Department of Insurance (TDI), Texas Department of Motor Vehicles (TxDMV), Texas Department of Public Safety (DPS) and Texas Department of Information Resources (DIR). The Legislature named TDI as the lead agency, giving it primary responsibility for the project. Back
How much is TexasSure going to cost the State? How is it funded?
The initial cost of the program is roughly $7 million. The money comes from a portion of the $1 fee that drivers pay when they apply for or renew their motor vehicle registration. Back
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