Driver License Suspension – How An Insurance Or Subrogation Company Can Suspend Your Texas License

If you have a Texas Driver License and somebody has called you or sent you a letter threatening the suspension of your driver license over an auto accident, it is highly possible that it could actually happen, but it is just as probable that the person making the threat doesn’t actually understand the rules as they apply in Texas. Only the Texas Department of Public Safety can suspend your driver license (and the DPS doesn’t call people to advise of a pending suspension, they will send a written notice). What an individual, insurance, or subrogation company can do is request the suspension of your license in accordance with Chapter 601 of the Texas Transportation Code, and there are a lot of exceptions and rules that have to be followed (it is notable that if you don’t have a license, a proper request will keep you from getting one, and the suspension is supposed to affect your registration, too).

If the person calling you is an insurance company or subrogation firm, they probably know how to get you suspended, and it is not required that you be sued. You can lose your license, registration, and ability to get a license even if you have not been sued. If you have been sued over an auto accident and you lost, then 99% of the time, you will be losing your license and registration privileges until you pay. Anyway, non-suit suspension of a Texas driver license is what this article is about, so here are some of the requirements your case will have to meet in order for your license to be in true jeopardy: The Texas Safety and Financial Responsibility Act has exacting rules that relate to the ability to get an individual’s driver license suspended due to a violation of the act, here they are in layman’s terms:

1. The accident must have happened on a public highway, road or way (like an alley) as defined by Texas rules.

2. Somebody has to file an accident report, either a police officer or a party that was involved in the accident.

3. There has to be a “reasonable probability” that you were at fault (like the police put on the report that you rearended somebody, or there are witnesses against you). This is the trickiest part, because there are so many factors that can indicate fault.

4. There must be bodily injury (any amount) or damages to an apparent extent of $1000.00.

5. If you are the owner of the vehicle, then you must have allowed the use of the vehicle either by saying the driver could use it, or by making it apparent by your actions that it was okay.

Keep in mind the rules I am relaying only apply to Texas and violations of the “financial responsibility law”. If all of these factors apply to you, then it is likely that your license will be suspended if the party threatening to take action follows the proper rules (in Texas) for requesting the suspension. Now, what can you do to protect yourself? Are there any loopholes? My best answer is “sort of”. If you were unfortunate enough to be involved in an accident that is probably your fault, and if you didn’t have insurance or some other way of complying with the financial responsibility law, then you have few choices. Here they are:

1. Pay for the damages.

2. Most companies will take less than what they are asking for if you can pay a lump sum, so if you have a little money, try and make a settlement for less than the alleged damage amount.

3. Work out a payment arrangement with the insurance company, subrogation firm, or person that is threatening you (it must be a written agreement that the State will accept in order to properly protect your license).

4. Fight about whose fault the accident was. In order to do this you must follow the rules for requesting a hearing when you get your first notice of suspension (also it is advisable to make sure the Department of Public Safety has your correct address because they will use the address on your driver license for all notices and you have a time limit to request a hearing).

5. If you were the owner of the vehicle that was involved in the accident, and the person who wrecked your car didn’t have permission to use your vehicle, then fight about that (again, you have to use the hearing rules to fight).

6. Always make sure you have researched all avenues of possible insurance. Sometimes you could be covered and just not be aware of it (like if you are a full time college student and your parents have insurance).

If you (as the owner) or the driver of your vehicle weren’t financially responsible at the time of an “at fault” accident, then the above things are pretty much the only things you can do to avoid a suspension outside of hiring an attorney. So, be careful about making the assumption that your license can’t be suspended for an auto accident (if you were uninsured). I can’t tell you how many times I tried to explain this to people and they simply didn’t believe me, so they ended up with a license suspension, and then having to call me to negotiate for their license or risk the consequences. If you get pulled over and you don’t have a valid license, you can be taken to jail. It is probably the best (and right) thing to do is to work out a payment plan to protect your driving privileges.

Justin Petty / Licensed All Lines Adjuster and Public Adjuster

My personal cell phone and e-mail are listed on my website, and I will personally answer my phone to address your questions or concerns. I work for the “little man”, be it a small business or an individual. If you think honesty and integrity are a thing of the past, research me. I am truly a horse of a different color, so visit my website and give me a call or drop me a line. I trust you will be surprised when I personally answer the phone. I am the founder and CEO of Petty Details, LLC, and I have the power to bend my own rules and prices for the benefit of justice. Plead your case!

Common Truck Maintenance Procedures

Part of successfully insuring your truck is making sure that you avoid accidents. Obviously, the reason you choose premium commercial truck insurance is so that you do not have to worry about getting out of a sticky situation when you do need it.

But there are precautions you can take that will help prevent an accident from ever happening, so that you will not have to deal with filling out forms, getting your truck repaired, having your claims checked, or recovering from an injury.

Here are some common truck maintenance procedures that will help relieve long-term stress.

1) Change the oil: Sometimes, the simplest things cause the most trouble. While every automobile requires its oil to be changed, it is often ignored. And commercial vehicles are pushed even harder than private ones, making this trivial task even more essential. A good rule of thumb is to change the oil every 2 to 3 thousand miles with high quality motor oil.

2) Rotate and replace tires: One of the most dangerous accidents occurs when large semi-trucks blow a tire and skid off the road. Without proper traction, it is difficult for the truck driver to control, and semis can cause a lot of damage to fellow drivers. Rotate tires every 3,000 miles, which will give the auto-mechanic an opportunity to check the brakes and brake pads as well. In addition, you can check the air pressure on a weekly basis to ensure it meets standards. When tread gets worn down, replace the tires before an accident happens.

3) Change transmission fluid: When hauling a load, transmissions wear out faster than a normal car, nearly the rate. Changing the transmission fluid and filter are an important procedure to prevent this from occurring. It is recommended that you change fluid every 25,000 miles, in order to prevent having to replace the entire transmission.

4) Check coolants: Commercial trucks run more frequently without stopping, making them overheat more regularly. Automatic transmissions require even more attentions. Check your coolants on a normal basis.

5) Do not rely on computers or scheduled maintenance: Modern truck have computers onboard that tell you when situations arise, fluids must be changed, and the engine needs to be checked. But dont let a blinking light on your dashboard dictate when you perform truck maintenance. Also, some drivers wait for scheduled appointments with mechanics. This may let a problem sneak through the cracks, only to rear its ugly head at an unfortunate time. Dont rely on schedules or computers, perform regular maintenance.

Commercial Truck Insurance

With these tips, hopefully you can take better care of your truck maintenance and prevent a major accident that may raise your cost for commercial truck insurance. Speak to your truck insurance provider for more details.

Advice On Auto Insurance

Auto Insurance Advice? Talk to an Expert

You own a classic, a vintage automobile, and youre clueless about how to insure it. So you ask around. “Everyone has an opinion on anything and everything, even auto-insurance,” you tell yourself. Your neighbor has one, your co-worker has some insights, and even your know-it-all brother-in-law probably has a volume dedicated to this topic. But really, unless theyre industry insiders, what do they know? Countless times, we exhaust ourselves trying to avoid talking to an expert, probably out of fear that we might get sucked into a bad deal. Honestly, the best resource to ask about auto-insurance is the auto-insurance agent or specialist.

How can this guy be any different from the persons mentioned above? Well, for one, it is HIS JOB to give you more accurate information on quotes on the type of policy and coverage you need. After all, hes the inside man. Needless to say, you dont own a classic and just helplessly lose it to a nasty smashup or, God forbid, theft. That piece of heaven on four wheels should not be left on its own. We all know that it is going to be more than just the money we would lose if we lose a vintage.

Thankfully enough, there are auto-insurance companies out there that focus mainly on these types of automobiles. Consider it high-risk, but they are the ones that will take it. I would suggest a nice appointment with the auto-insurance specialist to open your eyes on how to protect your vehicle.

The auto-insurance specialist will let you in on a number of options to work with your needs. There are policies that consider the owner or drivers age, the annual mileage of the car, even a policies that takes advantage of your membership to a vintage automobile club. There are a few points below for you to think about.

If you talk about the annual mileage on the vintage, you have to think, “How much do you really drive that car and where do you drive it?” Unless you drive cross-country all-year long, the mileage on that vintage should be on the low side. Logic follows: Less mileage, less time on the road, less risk for the automobile to get involved in a road accident ergo, lower rate for your auto-insurance. Just check with the specialist-agent whether they have policies that are tiered or not. Usually, these policies are bracketed by 1,000, 3,000 and 5,000 annual miles.

The specialist should also tell you to consider that not all motorists are properly insured. So do take that into consideration and take advantage of underinsured/ uninsured motorist coverage offered by the specialists auto-insurance company. Logic dictates that the rates on this coverage should be lower since your car spends less time on the road. Getting the pattern?

Ask the specialist if discounts are also given by the auto-insurance company if you have a membership to a vintage automobile club. Membership to this type of club gives the impression that the owner is a true enthusiast and drives the car for his or pleasure and means that the car is low-risk for accidents.

Being insured does not mean you get the license to do ill on the road or just leave your classic car parked outside without protection. This is why you and the auto-insurance specialist company would have to agree on the maximum coverage for your vehicle. Get your vintage appraised before going into these details. There will be instances that the auto-insurance company cannot replace or even have your car repaired.

Remember: Insurance is just another way to extend your relationship with your classic car. It is also your way of being a responsible car owner regardless of automobile type. If an accident were a person, it wont really care if you drive a compact or $100,000-car.