Been told to file an SR22 Form as part of your Texas car insurance? Wondering what to do if you need it?
SR22 Insurance Texas – What does it really mean?
There isn’t a big difference between ordinary auto insurance and SR22 insurance in Texas. SR22 insurance is means of showing proof that you are financial responsible to the DPS. An SR22 Form is is often required and is often filed by your insurer. You can’t submit your insurance policies and insurance card as proof of your insurance, as the Department of Public Safety will not accept it.
In most cases, your insurance company will submit the SR22 Form to the DPS, but you can always do it yourself.
In Texas, who needs SR22 Insurance?
There are several reasons why you may have to file an SR22 Form in Texas, most of which are because of traffic violations including:
Alcohol Related driving license suspension – Sometimes called driving under the influence (DUI) or driving while intoxicated (DWI). In some cases, if ordered to take part in a Repeat Offender’s DWI education program, you will have to submit certificate of completion along with an SR22 Form.
Drugs Related Offences – Your license is automatically suspended if you are convicted of drug offence.
Driving with suspended or invalid license – If you are caught driving when your license is suspended, the same period of time as the original suspension will be added.
Driving without insurance – Driving without auto insurance in Texas is against the law and if given second or subsequent ticket, you will also need to file an SR22 Form.
The period during which you need to maintan a proof of liability insurance is two years.
Texas SR22 Insurance – How much will it cost me?
The fees you will have to pay vary, depending on the reason your license was suspended. $100 is the minimum you will have to pay to get your license reinstated.
You biggest concern should be auto insurance rates. Insurers will immediately classify you as a high-risk driver, because you have SR22 Insurance.
That is why it is essential to compare quotes from several different companies, in order to find the best deal for you.