TexasCHLforum.com

I might add that right now it is an offense to drive without insurance, punishable by a $500 fine and six months in jail. If the vehicle is involved in a collision, the driver's license can be suspended. The lack of financial responsiblility can be established after the fact with no database.

I don't know how often this offense is prosecuted, but I know that it often is not prosecuted. Several people have told me about fender-benders where the other driver simply drove away, and the police did not persue the matter further.

- JIm

Never say, "I have a gun," or anything that could be construed as a threat. That phrase is a hot button for many officers (with good reason).

Let the officer ask you if he needs to know.

- Jim