Most people who receive a No Insurance ticket in Austin find themselves paying the ticket off, to avoid more costly fines later (also known as paying the Early Fine).
But, as you're about to read, there are several reasons why not only will paying the ticket be more costly, it will also continue to cause you to pay for at least three years or longer.
What a No Insurance ticket REALLY costs you. A No Insurance ticket in Austin, Travis County Texas typically runs about close to $350 after you've factored in fines, court costs, and fees. Plus you'll have higher rates when you get insurance, and have to spend a half day (or more) at the Courthouse, which means time off from work and quite a hassle.
But what the Court won't tell you (or at least won't highlight) is that by paying the fine, you're pleading Guilty or No Contest, which triggers three things: surcharges, new insurance rules for you, and a Texas Driver's License suspension.
Surcharges. In Texas, a No Insurance Ticket conviction will cause you to have THREE YEARS of surcharges linked to your Driving Record and License. For a No Insurance ticket, that means ~$250 EXTRA per YEAR, for three years. This is considered an Administrative Fee, and is separate from any court fees or costs. If you don't pay the surcharges, DPS will suspend your Driver's License. If you don't have a license, they'll suspend you ability to get one.
SR22 Insurance Required. Once you have certain driving offenses on your record, such as a No Insurance ticket, DPS will require you to carry SR22 insurance. This type of insurance costs more than typical insurance, and usually must be prepaid in 6 month increments. This is required for at least a year from the ticket, although lately SR22 has been required for two years, meaning added costs to you.
DPS Driver's License Suspension. Upon conviction of a No Insurance ticket, your river's License will be suspended. That means if you're caught driving, you'll get a Driving While License Invalid ticket, which can be a Class B Misdemeanor. You'll also be required to pay DPS reinstatement fees (typically about $105 plus a little more depending on your driving record) before your actual license can be reinstated.
The TOTAL costs for a No Insurance ticket over three years will be: $1105.00 plus any rises in your insurance and plus the added cost of SR22 insurance.
So How Can You Avoid Added Fees, Suspensions, and Surcharges? Easy; you can hire a lawyer to do everything for you, the right way. We'll talk you through the process and strategy over the phone, for a Free Phone Consultation at 512-216-3211 -- but generally speaking, we'll go to court, arrange for a (hopeful) Dismissal of the charges, contact DPS, see whether your license is or will be suspended, and then (if needed) get you an Occupational License to hold you over until the license can be reinstated again. And, we guarantee it'll cost you LESS than the total cost of the ticket listed above. In fact, mention this blog post (you can merely say you saw our Blog) and we'll give you a quote that's under $400.