When can a premium surcharge be applied to an applicant in Texas?

The application of a premium surcharge in Texas is specifically tied to the duration a driver has been uninsured. The correct answer indicates that a surcharge can be imposed if a person has been uninsured for more than 30 days in the past year. This means that the insurance company considers the length of time a person has been without insurance as a risk factor, which can lead to higher premium costs.

In this context, the focus on a one-year timeframe ensures that recent behavior is considered in assessing risk. Being uninsured for more than 30 days suggests that the driver may be a higher risk to insure, as it raises concerns about their driving habits or financial responsibility.

The other options propose fixed durations of 30, 60, or 90 days without considering the broader context of the past year or the cumulative effect of being uninsured within that time period. Thus, they do not fully capture the conditions under which a premium surcharge would be applied. The emphasis on "more than 30 days in the past year" reflects a more comprehensive approach to evaluating an applicant's insurance history in Texas.