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Texas insurance glossary

TexasSure

TexasSure is the state vehicle insurance verification program, which matches registered Texas vehicles against insurance policy data reported by carriers.

Sources checked

TxDMV runs it and it went online in 2008. Law enforcement, courts and county registration offices use it to check whether a registered vehicle has coverage, which is how a gap becomes visible to the state without anyone being pulled over.

It is a verification system rather than a filing. An SR-22 is transmitted by the carrier to DPS and monitored under ch. 601; TexasSure is a separate database answering a different question, about a vehicle rather than about a driver.

A mismatch is not always a lapse — reported data can be stale — but it is worth resolving with the carrier rather than ignoring.

Sources: TxDMV — TexasSure insurance verification; Tex. Transp. Code ch. 601 — Motor Vehicle Safety Responsibility Act. 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

  • 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.
  • Financial responsibility Financial responsibility is the Texas requirement that a person be able to answer for the damage they cause with a vehicle, most commonly satisfied by a liability policy.
  • Lapse A lapse is any period with no auto policy in force, whether the policy was cancelled, not renewed, or simply never paid.
  • TxDPS TxDPS is the Texas Department of Public Safety, the agency that issues driver licenses, records suspensions, and receives SR-22 filings from carriers.

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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