If you have ever been caught drinking and driving or driving without insurance in Austin you will need SR-22 insurance. What exactly is a SR-22? It is a document that shows proof of your financial responsibility. You will need a SR-22 after your conviction. SR-22 is usually required for about 3 years. Each State has its own laws regarding the SR-22.
If you live in Austin, you would need to follow the Texas law regarding SR-22. You need to get proof of insurance in Texas by filing a document with the Texas Department of Public Safety or DPS for short. It is mandatory in Texas for convicted drunk drivers.
The SR-22 document shows proof to the TX DPS that you have the right amount of coverage. The amount is determined by the State. If your SR-22 coverage is ended early or there are lapse or gaps then your insurance company has to inform the DPS immediately. This will result in the suspension of your drivers license.
How long do you need the Austin SR-22 Insurance for? It really depends on few things. The average time is between 2 and 3 years since the day your drivers license was re-instated. Be sure to follow up and find out the exact amount of time and other requirements you need to meet for your SR-22 insurance. You can contact the local DPS located in Austin. They will also send you a mail with the requirements.
How do you get a SR-22 in Austin? Best way is to contact a local insurance broker who specializes in SR-22 insurance policies. He or she can show you the best available options and policies that suits your needs. Be sure to select the policy that meets your requirements and do not feel tempted to give into the broker’s demands. If you want to shop around you can try to find better pricing on the SR-22 policy since you will need this for few years. There are two types of policies available.One of them is the non-owners policy. This is for people who do not own a car. However, if you plan on driving someone’s car you would need to carry your SR-22 policy with you at all times. The other is a standard SR-22 policy. If you need to move out of State, then you would still need to have a SR-22 policy in your new State. Find out the local laws if you decide to move.