What Happens If Your Car Insurance Lapses in Texas
A lapse is not only a gap in protection. In most states it is a reportable event with its own penalties.
- If you are under an SR-22
- License re-suspended immediately
For drivers under an SR-22 requirement, any lapse re-suspends the license. Reinstatement needs a new SR-22 plus a $100 fee.
- Reinstatement fee
- $100
- Proof at a traffic stop
- Required
A driver must show evidence of financial responsibility on request by a peace officer, or to anyone they collide with (§ 601.053).