Common insurance fraud comprises falsely reporting an auto stolen or deliberately damaging a vehicle and gathering insurance payouts. Auto insurance fraud causes insurance agencies to increase rates to compensate for financial losses due to fraudulent claims. In certain states, the monetary penalties would increase up to $100, 000, and jail time will be assessed up to fifteen years. In nearly every given year, the number of booze related incidents in Texas have equaled over 26 percentage of the total number of injuries. This could equate to 1, 000 accidents or more. According to some resources, Texas a lot more alcohol related accidents than every other state. Experts attribute this of the fact that citizens in counties without booze have to drive further from their houses to consume alcohol. This increases impaired driving. Drivers in the region must find a spot to make an effective right or left turn to get into the appropriate direction. If a horse and buggy is the favored vehicle of choice, it can’t be driven throughout the town square. Government mandated insurance law. Insurance in Texas is necessary. Drivers should have at least $30, 000 worth of coverage for one individual, $60, 000 per injured individual in an accident, and $25, 000 for damage to property. In case the law is violated a few times, fines up to one thousand dollars can be assessed, and the drivers license can be suspended. The drivers vehicle can also be impounded. This database links every authorized vehicle with license plate number as well as insurance contract number. Although this system is set up, drivers are allowed to keep evidence of insurance in the vehicle at all times.