MARTIN is a thirty-two year-old father of two living in Southwest Houston. Martin made the mistake to not purchase auto insurance for his car. He has a job, but money has been tight and he decided to "risk it". When Martin was pulled over by a police officer he was ticketed for uninsured motoring. Since he couldn't prove to the judge that he had an insurance policy at the time of the traffic stop he was fined $400, convicted, and enrolled in the Driver Responsibility Program which will bill him additional punitive fines for 3 years. In addition to these fines, if Martin wanted to get auto insurance, he is now considered "high risk" due to his conviction and his policy would be tremendously more expensive. Since he can't afford to pay his fines they continue to acrue until he can no longer register his car and losses his ability to get to work and take care of his family. 

Most of us believe that the punishment should fit the crime and justice is served if the problem is solved. A judge could have enrolled Martin in AMFRD's vehicle compliance system instead. He would have his case diverted and a conviction would not have occurred. He wouldn't be a high risk insurance customer, and under the monitoring supervision AMFRD, he is allowed to use his car only if it is insured. Since Martin needs his car and there is an immediate repercussion to a decision to let his insurance lapse, he makes it a top priority.


Americans For Responsible Driving clearly creates more insured drivers.