Glosario de Seguros de Auto de Texas
Este glosario explica los términos más importantes del seguro de auto que todo conductor de Texas debe conocer — desde presentaciones SR-22 y responsabilidad mínima 30/60/25 hasta PIP, TAIPA y TexasSure. Cada entrada está escrita en español claro con referencias a los estatutos de Texas y al Departamento de Seguros de Texas cuando corresponde. Úsalo para tomar decisiones de cobertura con confianza en el área de Dallas-Fort Worth.
Presentaciones y Legal
Certificado de Autoseguro
A state-issued certificate allowing large Texas fleet owners to satisfy financial responsibility without a policy.
Formulario SR-26
A cancellation notice the insurer sends to Texas DPS when an SR-22 policy lapses or is cancelled.
FR-44
An enhanced financial responsibility filing used in some states — not required in Texas.
Responsabilidad Financiera
The legal requirement that every Texas driver prove the ability to pay for damages caused in an accident.
Seguro SR-22
A state-filed certificate of financial responsibility proving a driver carries Texas minimum liability coverage.
Seguro SR-22 Sin Auto
SR-22 liability coverage for Texas drivers who must file with DPS but do not own a vehicle.
Tipos de Cobertura
Asistencia en Carretera
Optional coverage for towing, battery jumps, fuel delivery, lockouts, and flat-tire service.
Cobertura Comprensiva
Coverage for non-collision damage to your vehicle, including theft, hail, vandalism, and animal strikes.
Cobertura de Colisión
Coverage that pays to repair your own vehicle after an accident regardless of who is at fault.
Cobertura de Motorista Con Seguro Insuficiente (UIM)
Optional Texas coverage that pays the gap when the at-fault driver's liability limits are too low.
Cobertura de Motorista Sin Seguro (UM)
Optional Texas coverage that pays for your injuries and damage when an uninsured driver hits you.
Cobertura Mínima
The lowest auto insurance limits Texas law allows a driver to carry — currently 30/60/25 liability.
Cobertura Total
A common term for a policy combining liability, collision, and comprehensive coverage.
Límites Mínimos de Texas 30/60/25
Texas's required liability limits: $30,000/$60,000 bodily injury and $25,000 property damage.
Pagos Médicos (MedPay)
Optional coverage that pays medical bills for you and passengers regardless of fault — no wage replacement.
Protección Contra Lesiones Personales (PIP)
No-fault Texas coverage that pays medical expenses and lost wages for you and your passengers.
Reembolso de Auto de Alquiler
Coverage that pays for a rental car while your vehicle is being repaired after a covered claim.
Seguro de Responsabilidad Civil
Coverage that pays for injuries or property damage you cause to others in an accident.
Seguro GAP
Coverage that pays the difference between what you owe on a car loan and the vehicle's actual cash value.
Responsabilidad Civil
Mecánica de Póliza
Asegurado No Propietario
A person covered by a Texas liability policy for driving vehicles they do not own.
Asegurado Nombrado
The primary person listed on a Texas auto policy, with full rights to make changes and file claims.
Cancelación
The termination of an auto policy before its policy period ends, by either the insurer or the insured.
Conductor Excluido
A household driver intentionally excluded from coverage — usually due to driving record.
Deducible
The out-of-pocket amount the insured pays on a covered claim before the carrier pays the rest.
Lapso en la Cobertura
A gap in active auto insurance, typically caused by nonpayment — illegal and costly in Texas.
Período de Póliza
The timeframe during which an auto insurance policy is active — typically 6 or 12 months in Texas.
Prima
The amount a policyholder pays an insurance carrier for coverage, usually monthly or semi-annually.
Reinstalación
Restoring a cancelled or lapsed auto policy to active status, often requiring back-payment and fees.
Renovación
The extension of an auto insurance policy into a new policy period, usually every six months.
Documentos de Póliza
Certificado SR-22
The physical or digital proof-of-filing document confirming SR-22 coverage is active with Texas DPS.
Cláusula Adicional
An optional add-on to an insurance policy that expands coverage — functionally the same as an endorsement.
Endoso
A written amendment that adds, removes, or changes coverage on a Texas auto policy.
Página de Declaraciones
The summary page of a Texas auto policy listing the insured, vehicle, coverages, limits, and premium.
Estado del Conductor
Con Culpa
The driver determined to have caused an accident — legally and financially responsible for damages.
Conductor de Alto Riesgo
A driver classified as statistically more likely to file a claim, based on record, age, or vehicle type.
Conductor No Estándar
A driver whose record or profile falls outside standard underwriting — priced through specialty carriers.
Historial de Manejo Limpio
A Texas driving record with no moving violations, at-fault accidents, or DWIs for a set period.
Licencia Revocada
A Texas driver license terminated by DPS — reinstatement requires a full new application.
Licencia Suspendida
A Texas driver license temporarily revoked by DPS — driving during suspension is a criminal offense.
Específico de Texas
Asociación del Plan de Seguro de Automóviles de Texas (TAIPA)
The Texas-mandated insurance pool of last resort for drivers unable to obtain coverage voluntarily.
Código de Transporte de Texas §601.072
The Texas statute that sets the minimum liability insurance limits required to legally drive in Texas.
Departamento de Seguridad Pública de Texas (DPS)
The Texas state agency that issues driver licenses and enforces SR-22 financial responsibility compliance.
Departamento de Seguros de Texas (TDI)
The Texas state agency that regulates insurance companies, agents, and agencies operating in Texas.
Póliza Sin Verificación de Crédito
A Texas auto policy priced without using credit-based insurance scores as a rating factor.
Seguro de Auto No Estándar
The Texas insurance market segment serving drivers outside standard underwriting guidelines.
TexasSure
The Texas electronic insurance verification database cross-referenced with vehicle registrations.
Mercado Hispano y Sin Licencia
Licencia de Conducir Internacional
A translated version of a foreign driver license accepted by some Texas insurers and law enforcement.
Matrícula Consular
A Mexican consular ID card accepted by many Texas auto insurance carriers in place of a US license.
Póliza ITIN
A Texas auto policy underwritten using an Individual Taxpayer Identification Number instead of a SSN.
Seguro de Auto Turista para México
A separate Mexican-licensed policy required to drive a US-registered vehicle legally inside Mexico.