FMFR (No Insurance Traffic Ticket)

Pursuant to §601.051 of the Texas Transportation Code, "no person may operate a motor vehicle in this state unless financial responsibility is established for that vehicle." §601.051 also lists the various methods of establishing financial responsibility, however, proof of liability insurance is the most common.

A citation for failure to present proof of insurance or maintain financial responsibility (FMFR) can have serious consequences. A conviction for FMFR will result in a surcharge of $250.00 payable to the Department of Public Safety for 3 years.  A second or subsequent conviction for FMFR will result in the suspension of your driver's license. Furthermore, failure to have liability insurance makes you personally responsible for any and all costs associated with an accident for which you are shown to be at fault. Therefore, it is important to maintain insurance on your vehicle at all times.