An SR-22 in Texas is a certificate of financial responsibility that is often required by the state’s Department of Public Safety (DPS) as proof that a driver has the minimum required auto insurance coverage. It is not an insurance policy itself but rather a document provided by an insurance company to demonstrate that a driver is financially responsible and has the necessary insurance coverage to meet the state’s requirements.
Here are key points to understand about the SR-22 in Texas:
Requirement: An SR-22 is typically required for drivers who have been involved in certain traffic violations or offenses, such as DUI/DWI convictions, driving without insurance, driving with a suspended license, multiple at-fault accidents, or accumulating too many points on their driving record.
Duration: The duration for which you must maintain an SR-22 can vary depending on the nature of the offense and the specific requirements imposed by the Texas DPS. It is usually required for a minimum of two years but can be longer in some cases.
Insurance Coverage: To obtain an SR-22, you must purchase the minimum required auto insurance coverage in Texas, which includes liability coverage for bodily injury and property damage. The insurance company providing the SR-22 will file the certificate directly with the DPS on your behalf.
Filing Fee: There is typically a fee associated with filing an SR-22 with the DPS. This fee is paid to the insurance company providing the SR-22.
Continuous Coverage: It is crucial to maintain continuous insurance coverage during the entire period for which the SR-22 is required. Any lapses or cancellations in coverage can result in penalties and an extension of the SR-22 period.
Non-Owner SR-22: If you do not own a vehicle but still need an SR-22, you can obtain a non-owner SR-22 policy. This provides liability coverage when you occasionally drive someone else’s vehicle.
Impact on Insurance Premiums: Drivers who are required to obtain an SR-22 may see an increase in their insurance premiums due to the associated violations or offenses on their driving record.
Reinstating Driving Privileges: For individuals with a suspended or revoked driver’s license, the SR-22 is often required as a condition for reinstating their driving privileges.
It’s important to note that the specific requirements for an SR-22 can vary based on individual circumstances and the nature of the offense. If you are required to obtain an SR-22, it is advisable to work with your insurance provider to meet the necessary requirements and maintain compliance with state regulations. Additionally, it’s essential to understand the implications of any traffic violations or offenses on your driving record and how they may affect your insurance premiums and driving privileges.
The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. To get a free quote, call us today for more information on SR-22 insurance.