If you live in Texas, SR22 Insurance can be rather expensive and confusing. We put together this information together so help you figure out the best way to handle your insurance needs.
Why Do You Need an SR22?
According to Texas’ financial responsibility law, if you have your driving privileges suspended or revoked, you will need to “file and maintain a Form SR-22” with Texas Department of Transportation. Generally, if you are required to file in the state of Texas, SR-22 insurance is required for a minimum of two (2) years from your conviction date.
Can I show the state of copy of my insurance card instead?
Unfortunately not. The SR-22 is a ‘certificate of financial responsibility’ that shows the state that you have proof of insurance on file today and for the future as mandated by Texas law.
What if my insurance cancels, can I still have an SR22?
Texas law requires your insurance company to notify the state of any changes to your insurance policy status. In other words, if your insurance policy lapses or cancels for any reason, your insurance company must send a letter to the state. As a result, your license could be re-suspended by the state of Texas if you do not maintain your SR22 Insurance Coverage.
How do I purchase a Texas SR22 Insurance Policy?
The easiest way to purchase a Texas SR22 Insurance policy is to contact an insurance agent that is authorized to write insurance in Texas.
I do not own a car. How do I obtain SR22 Insurance?
Many companies and agents that specialize in writing SR22 Insurance, can also help you obtain a non-owned policy. These policies are also known as a ‘named non-owner insurance policy’. Contact an agent and talk to them about a non-owner SR22 policy.
What are the License Reinstatement Requirements
According to the Texas Department of Transportation, the following is needed to reinstate a drivers license in the state of Texas:
- A reinstatement fee will be required prior to the renewal/issuance of a driver license.
- Obtain proof of insurance (Form SR-22) from your insurance company and submit to the Department. The Form SR-22 is required for two (2) years from the date of conviction.
Minimum Liability Amounts in Texas
Current minimum liability coverage amounts are: $25,000 for bodily injury to or death of one person in one accident; $50,000 for bodily injury to or death of two or more persons in one accident; $25,000 for damage to or destruction of property of others in one accident.
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