Texas SR22 Insurance
Table of Contents
- 1 Texas SR22 Insurance
- 2 SR22 Insurance in Texas
- 3 The property damage will provide coverage for the driver and whomever is driving the vehicle in the case of an accident.
- 4 How To Get SR22 Insurance Texas?
- 5 What is the Difference Between SR22 and Regular Auto Insurance in Texas??
- 6 What is Non-Owners Auto Insurance?
SR22 Insurance in Texas
Drivers in Texas who have suspended licenses due to certain violations are required to file an SR22 Insurance with the state’s Department of Public Safety. This is to ensure that they have the minimum liability requirements and allow them to drive again. An SR22 is a form filed by an insurance company on your behalf and is attached to your regular auto insurance. It usually comes with much higher premiums since an SR22 categorizes you as a high risk driver.
In order to meet Texas’ liability insurance requirements, your SR-22 insurance must have limits of at least:
- $30,000 of bodily injury coverage per person injured in an accident
- $60,000 of bodily injury coverage per accident
- $25,000 of property damage coverage per accident
The period of time you’ll need to maintain SR-22 insurance can vary but typically extends for two years after the date of your conviction in Texas. If your policy lapses or is canceled during this period, the insurer is required to notify the state. And without another SR-22 filing submitted to the DPS, your license and registration can be suspended again. You’ll not only have to purchase a new auto insurance policy, but you’ll also have to pay the reinstatement fees a second time, so it’s important not to have a gap in coverage.
Once you’ve maintained an SR-22 policy for the period required by court order, it’s your responsibility to notify your insurer that the form no longer needs to be filed. Otherwise, your insurance company will continue filing the SR-22 with the Texas DPS.
Some of the most common reasons why a driver will need SR-22 Insurance can include:
- The failure to show proof of insurance
- Having a DUI or DWI or any serious moving violation.
- Repeat traffic violations or too many tickets in a short time.
- Driving on a revoked or suspended license
Once you are required to take out SR-22 auto insurance in Texas, you will need to file and maintain a form SR22 insurance certification with the Department of Public Safety.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
How To Get SR22 Insurance Texas?
Not every vehicle insurance provider offers SR22. Those that do may advise the DPS of Texas that you have received the needed coverage to be able to get your driver’s license back. If you want to do it yourself, request the appropriate form from the insurance company and email it to the Texas DPS’s Security Responsibility Division, PO Box 15.999, Austin TX, 78761. You’ll find several offices throughout the state where you can file your SR22 form personally, including one in Austin, Houston, Dallas and San Antonio.
What is the Difference Between SR22 and Regular Auto Insurance in Texas??
One of the most common questions we get is what is the difference between SR22 and regular car insurance? The answer, quite simply, is NOTHING. An auto insurance policy is an auto insurance policy, and each state requires certain coverage and levels of insurance within any insurance policy written.
The SR22 is simply an insurance monitoring system that the state uses to keep track of certain offenders. If the policy cancels before the SR22 requirement is met, the driver’s license is suspended until compliance is met again. Financial responsibility is a term commonly used by states, along with compliance and SR22 bonds. All these items are simply devices to monitor an insurance policy, no matter what kind of policy it is.
What is Non-Owners Auto Insurance?
Non-owner car insurance is a policy that provides liability coverage when you don’t own a vehicle. It is purchased by individual drivers, so multiple drivers aren’t covered under one policy. Most non-owner insurance policies don’t offer additional coverage besides liability, such as physical damage or medical. But it is possible to find medical coverage with this type of plan depending on the insurance provider.
Texas SR22 Insurance Page Updated 7/20/2020
We operate in all 50 states. No matter where you live, we can help you find great SR22 insurance.