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Texas SR22 Insurance – What does it really mean?
SR22 insurance is not much different than normal car insurance in Texas. SR22 Insurance is really a means of proving to the to the Department of Public Safety that you have car insurance. For this purpose, an SR22 Form needs to be filed by your insurer. There isn’t another way to prove that you have insurance, insurance policy and insurance card numbers are not accepted.
In most cases, your insurance company will submit the SR22 Form to the Department of Public Safety, but you can always do it yourself.
Why would I need SR22 Insurance in Texas?
There are a number of reasons why you may need SR22 Insurance in Texas, most of them due to traffic violations including:
Driving license suspension related to alcohol – Sometimes referred to as driving under the influence (DUI) or driving while intoxicated (DWI). Apart from an SR22 Form, you may also have to submit a certificate of completion of Repeat Offender’s DWI program.
Drugs Related Offences – If your are convicted of drug offence, your driving license is automatically suspended.
Driving with suspended or invalid license – Such an offence will automatically double the time of your suspension.
Having no liability insurance – If you are give a ticket for driving without insurance in Texas, more than once, you will also need SR22 Insurance in the future.
You will need to maintain liability insurance and show a proof of it to the Department of Public Safety for a period of two years.
SR22 Insurance Texas – What will I have to pay?
The fees you will have to pay vary, depending on the reason your license was suspended. Expect to pay at least $100 to get your license reinstated.
You biggest concern should be car insurance rates. Insurers will immediately classify you as a high-risk driver, because you have SR22 Insurance.
That is why it is vital to compare quotes from several different companies, in order to find the best deal for you.
