Car Insurance Policy Renewal Texas
Reader’s Question:
Can a car insurance company cancel or refuse to renew my policy if I get a speeding ticket? What do I do if they refuse to renew my policy in Texas?
Nancy
Garland, Texas
Thanks for asking. Yes Nancy. In Texas, insurance companies will consider your driving record, including any wrecks you’ve caused and how many tickets you’ve received in the past, to decide whether to issue you a policy or not. Most car insurance companies routinely check the state database of traffic citations to verify that their clients have not received any unreported citations.
A car insurance company may cancel your auto policy within 60 days of your initial purchase for any reason. Thus, if you get a ticket citation within this timeframe, your insurance company would decide to cancel your coverage. After 60 days, car insurance companies normally may not cancel your coverage unless you failed to pay your premium or committed insurance fraud. However, your car insurance company could refuse to renew your coverage if you received a ticket during the previous policy term. Most car insurance companies generally won’t cancel or refuse to renew your policy for just a single ticket. However, you can expect them to raise your rates when your policy is renewed. If you have received multiple tickets it will significantly increase your chances that an insurance company will decide not to renew your policy when it expires.
