Transportation Code · §601.191

No Financial Responsibility (No Insurance)

No Financial Responsibility (No Insurance) (§601.191): key points and worked practice questions for Texas peace officer exam preparation.

Key points

  • Operates motor vehicle on public road
  • Without financial responsibility (insurance) in effect

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Worked examples

Worked example 1

Operating a motor vehicle without financial responsibility (no insurance) under §601.191 is what level of offense?

  1. Class C misdemeanor (with enhanced fine on second conviction; license suspension after 2nd conviction within a year) Correct
  2. Class B misdemeanor
  3. Class A misdemeanor
  4. State jail felony
Why: Operating a vehicle without proof of financial responsibility (auto insurance) is a Class C misdemeanor; subsequent offenses carry higher fines and may trigger license suspension under the Driver Responsibility framework.
Statute: Tex. Transp. Code §601.191

Statutory definitions for this topic

Failure to maintain financial responsibility (no insurance) Tex. Transp. Code §601.191
Operating a motor vehicle on public roads without auto-liability insurance in effect. Class C misdemeanor; subsequent offenses carry higher fines and may trigger license suspension.