Question 1

Texas's statutory minimum liability insurance is commonly written as:

Accepted Answer

30/60/25. 30/60/25 — $30k per injured person, $60k total per accident, $25k property damage (Tx. Trans. Code §601).

Question 2

An SR-22 is:

Accepted Answer

A certificate from your insurer to the state confirming minimum coverage. The SR-22 is a certificate filed by your insurer demonstrating financial responsibility — typically required after DWI, no-insurance, or repeat at-fault crashes.

Question 3

Leaving the scene of a Texas crash that involves injury is:

Accepted Answer

A felony. Leaving the scene of an injury crash is a felony under Texas law. Any leaving is at minimum a misdemeanor.

Question 4

After a Texas crash with injury where police did NOT investigate, you must file:

Accepted Answer

A Driver's Crash Report (CR-2) with TxDOT within 10 days. If police don't investigate and the crash involves injury or significant property damage, you have 10 days to file a CR-2 with TxDOT.

Question 5

At the scene of a crash, the correct posture is to:

Accepted Answer

Document the scene, exchange information, and notify your insurer. Document, exchange identification and insurance information, notify your insurer the same day. Don't admit fault — describe what happened factually.

Question 6

The leading category of crash causation per NHTSA is:

Accepted Answer

Driver factors (speed, distraction, impairment, fatigue). Driver factors dominate — NHTSA estimates the driver is the critical reason in roughly 94% of crashes.

Question 7

An SR-22 status in Texas typically lasts:

Accepted Answer

2 years. Two years is the typical SR-22 period. Clean driving through that window is the fastest exit.

Question 8

If you discover insurance you carried at the time of a crash isn't actually in force when you file the claim:

Accepted Answer

You may be liable personally and SR-22 may be required for reinstatement. Driving without insurance and being in a crash often triggers SR-22 requirements for reinstatement, plus personal liability for damages.

Question 9

Under Texas Transportation Code §550 (crash-scene obligations), drivers must:

Accepted Answer

Stop, render aid, and exchange information. Stop at or near the scene without further obstructing traffic, render reasonable assistance to anyone injured, and exchange identification and insurance information.

Question 10

When photographing a crash scene for documentation, the most useful frames are:

Accepted Answer

All vehicles from multiple angles, position before they were moved, road conditions, signs. Comprehensive: all vehicles, original positions, road conditions, weather, traffic signs, visible injuries. Insurance and courts both look for this.

Crash, Insurance & Post-Crash Actions

Texas Traffic Laws & Right-of-Way

Run the free eligibility check