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Texas insurance glossary

ITIN

An ITIN is an Individual Taxpayer Identification Number the IRS issues to people who must file US taxes but cannot get a Social Security number.

Sources checked

It is issued by the IRS for tax purposes and it says nothing about immigration status or the right to drive. It appears here because it is routinely asked about at the point of buying a policy.

What an insurer needs to write auto coverage in Texas is a way to identify the named insured and to rate the drivers — a license number where there is one, a date of birth, an address. Practice on documentation varies by company, which is a market question rather than a legal one.

Nothing about an ITIN changes the coverage a policy provides or the minimums Chapter 601 requires.

Sources: IRS — Individual Taxpayer Identification Number; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Named insured The named insured is the person or business actually named on the policy, who owns the contract, pays for it and holds the rights it grants.
  • Proof of insurance Proof of insurance is the evidence a Texas driver must be able to show on request that financial responsibility is established for the vehicle they are operating.
  • International driving permit An international driving permit is a translation of a valid foreign license, and it carries no driving privilege of its own in Texas or anywhere else.
  • Non-standard auto Non-standard auto is the market segment for drivers the preferred market declines or prices badly, after tickets, at-fault crashes, a lapse, or no prior insurance.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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