Texas SR-22 Insurance

You have just been involved in an automobile accident where you were uninsured, or you have just been convicted of driving under the influence. You face legal fees, fines, and suspension of your driving privileges. Without access to driving a vehicle, many other aspects of your life are affected as well. You cannot drive your children to school. You cannot get to your place of employment and risk losing your job. What course of action do you take now?

The state of Texas requires that all drivers must provide a certificate of insurance to be permitted to drive a vehicle. Of course, if your license is suspended, you cannot obtain or retain your auto insurance policy. Now you have been told that in order to prevent your license from being suspended, you must file SR-22 Insurance in Texas. But what exactly is an SR-22?

An SR-22 is a form that must be submitted to the Department of Public Safety in Texas to prove that you carry valid insurance. It is required for anyone who has been convicted of a DUI, reckless driving, collecting too many demerit points, or being involved in an accident where the driver did not carry valid insurance. It is necessary to carry SR-22 insurance for at least two years from the date of an accident or conviction.

Only an authorized insurance agency is permitted to file an SR-22, and they will do it on your behalf. They must also notify the Department of Public Safety if a driver’s insurance policy and SR-22 policy have been cancelled, terminated, or lapsed. At this point, the driver loses all driving privileges and his or her driver’s license and registration are suspended.

There are two different SR-22 policies that can be purchased. An owner’s SR-22 is required for licensed drivers who own their own vehicle. A non-owner’s SR-22 is required for licensed drivers who don’t own a vehicle, but still wish to drive.

The best way to find cheap SR-22 insurance in Texas is to shop around and compare what different insurance companies offer. For example, if you reside in Houston, the lowest rate for an SR-22 Insurance can be obtained by searching online or checking with any of the local insurance companies authorized to sell this product.