What Is SR22 Insurance In Texas?
Reader’s Question:
I get confused every time I hear SR22 insurance because lately, a lot of my friends have been
Crystal
San Antonio, TX
Not every driver in Texas is going to be required to get SR22 insurance. Your friends may have committed some traffic violations in the past that have caused them to be required to get SR22 insurance. One of the causes for a driver to be asked for SR22 insurance is after being convicted for drunk driving or DWI. The Texas SR22 is going to be their proof of insurance after their DWI conviction. This certificate will be filed with the Texas Department of Public Safety (DPS) by the car insurance carrier.
SR22 gives the Texas DPS the assurance that the driver has the required amount of car insurance coverage and this is the liability insurance. In case the DWI insurance or SR22 is finished, canceled or lapses for whatever reason, the car insurance carrier is required to inform the Texas DPS immediately. When the Texas DPS has been informed about the cancellation or the termination of the DWI insurance and the driver is still required to have SR22, they will quickly suspend the driver’s license.
In general, Texas SR22 insurance is required for two to three years upon reinstatement of the driver’s license following a conviction for Texas DWI. However, to be sure of your particular requirements for SR22 insurance, you can seek advice from the Texas DPS. Usually, that will be sent via mail in an official letter once the driver’s license has been reinstated.
Having SR22 insurance means your premiums will be higher. If you find that you are in this predicament, you will need to shop around for car insurance carriers that focus on providing insurance for drivers who are required to have SR22 insurance. All the available car insurance policies will be shown to you. Compare each of them and you can choose which one best suit your budget and needs.
Category: Reader Questions
