El Paso and its Stricter Driving Laws

El Paso car insurance may be the same as the rest of the state, but some of its traffic laws aren’t.

El Paso car insurance requirements mirror those of the state’s.

Driving through El Paso needs to be done with your full attention to the road and not on a wireless device, unless you want to be pulled over. But attentive driving is not the only thing that will keep you out of trouble in El Paso, carrying the required car insurance will also.

El Paso Traffic Laws

Whether we like them or not we are subject to city, federal and state laws when we are driving. And while many laws are well known across the board by all drivers, there are some that may creep up and surprise you because they are only a law in a small area. These types of laws are usually ones that are city specific.

For the city of El Paso, drivers need to keep in mind these city specific laws:

No Cruising- illegal cruising is defined in El Paso as passing by a specific traffic device in a “no cruising” zone more than three times in a two-hour period between the hours of 9 p.m. and 3 a.m. There are specific streets in El Paso that are subject to the no cruising law and others that aren’t. The El Paso police department should be able to provide you with a list of the streets.

Regardless of the more lax state law on wireless devices, using any sort of wireless devices for anything short of a life-threatening event is prohibited.

El Paso Car Insurance Requirements

El Paso may have some traffic laws that vary from the state of Texas, but when it comes to insurance all the laws are the same. This is because it is Texas that determines state insurance laws, but they are enforceable by both state and city law enforcement officials.

To make sure you are in compliance talk to an insurance agent or insurance company to purchase at least the following coverages:

• $25,000 in property damage liability coverage. This will pay for any damages that you may cause to another person’s vehicle or property with your vehicle.
• $30,000 in bodily injury liability coverage. This coverage will pay for the injuries you cause to another person with your vehicle.
• $60,000 in total bodily injury coverage. This coverage is the total amount that your insurance company will pay out for two or more injuries in an accident.

Proof of El Paso Car Insurance

When you buy an auto policy, your insurance company will send you a proof-of-insurance card. You must show your current card whenever you are asked for it by a police officer, have an accident, register your car’s registration, renew your car’s registration, renew your driver’s license or have your car inspected.

The penalties for not having this insurance coverage will result in the following disciplinary actions:

• First time caught is a fine of $175 to $350
• Following offenses result in fines of $350 to $1,000, suspension of your driver’s license, and impoundment of your automobile
• Getting caught with no insurance AND no driver’s license is a $2,000 maximum fine, 180 days in jail, or both
• Offense if you cause an accident with serious injuries or death and have no El Paso car insurance is a $4,000 maximum fine, one year in jail, or both.