I Was Arrested For Drunk Driving Now Need To File For SR22 Insurance?
Reader question:
A couple of days, I got arrested for drunk driving and now I have to file an SR 22 form. What is it? Thing is, I’m going to be getting a new car. Will I have trouble getting it financed because of my SR 22 insurance requirement?
Becca
You shouldn’t.
The SR 22 auto insurance form doesn’t do much at all to hurt you except that it makes your car insurance rates go up, except for in special circumstances when your car insurance company allows you forgiveness for your very first drunk driving offense. It is, essentially, a form that the company must file so that the state has proof that you are covered by an auto insurance policy. In most states, you are required to have an auto insurance policy anyway, but the SR 22 helps these states keep track of you in this special case so that if you cancel your auto insurance, the department of public safety is notified so that your license may be suspended.
A new car can easily be financed while you are using SR 22 auto insurance, because the only thing that the financer looks at is whether or not you have the right kind of coverage. All they want to know is that, if you get into a car accident and have to make a car insurance claim, they will still get their paycheck for the amount of the loan. I do think I should call into question how wise it would be to finance a new car while you have SR 22 auto insurance, just considering what the rates would be. Already, SR 22 auto insurance rates are much higher than usual, as are those for new car insurance. Putting the two together might be a hard hit on your budget.
Cheers,
Fashun Guadarrama.
Where Should You Buy SR22 Auto Insurance Online?
Reader question:
Can I buy SR-22 auto insurance online?
Michael
That’s a really good question, Michael.
The entire car insurance industry has been moving most of its dealings over onto the internet. While many people still do it the traditional way, and drive their car up to the auto insurance agent’s office to take out a car insurance policy and fill out forms, many many more have realized that it just takes so much less time to do things online, and companies are making this more and more possible. Services are cheaper to offer online, and this is why a lot of online customers end up getting special discounts that regular office customers would not receive. This is extremely important, especially for someone like you who is already having to pay the higher than standard price for SR-22 auto insurance.
You definitely are able to buy an SR-22 car insurance policy over the internet, and it can actually be a much less exhausting experience, too. You can easily search to find out the many different companies that cater more specifically towards customers who need SR-22 auto insurance. One such company is The General, an auto insurance provider which has been in business many years and offers special low rates for customers who need cheap SR-22 auto insurance in Texas and around the country.
Cheers,
Fashun Guadarrama.
San Antonio SR22 Car Insurance – Great Free Rate Quotes
Reader question:
I need San Antonio SR22 car insurance and I don’t even have a car! What gives? I thought car insurance was attached to the car?
Gloria
Normally, it is.
When you have a regular insurance policy, your car insurance coverage goes with the car that you have listed on the policy. Most of the time, it does not touch any other car that you drive that is not listed on the policy, although there are instances in which your car insurance covers you regardless of which car you drive (such as rental car insurance coverage). This is the reason that, if you have car insurance for your car, you can allow other people to drive it even if they are not listed names on your car insurance policy, because they will still be covered by your own car insurance since the policy goes with the car. However, this rule does not always apply, especially when it comes to proof of insurance filing like the SR22 form.
San Antonio car insurance law requires you to file an SR22 form whether you have your own vehicle or not, so long as you have your driver’s license reinstated. For one thing, SR22 insurance puts you in a higher risk category which means you will have to pay higher rates for car insurance, which would not apply if you used your friend’s car with her car insurance policy at normal rates. It doesn’t make sense for a high risk driver to be using a low risk driver’s policy.
Another thing is that the SR22 car insurance is required to make sure that you have insurance coverage. The Texas department of public safety cannot track whichever friend’s car you might be driving, and cannot require that friend or relative to file any kind of SR22 form since you are driving their car. Therefore, if you want to have your license, then the responsibility lays on you, car or no car.
Cheers,
Fashun Guadarrama.
Texas SR22 Auto Insurance Removal From Your Record?
Reader question:
How do I remove my Texas SR22 auto insurance filing from my record?
Emily
Glad you asked.
Texas SR22 auto insurance is something that you have to file with whatever car insurance company that you are with for the three or five, or however many years you ended up with, that you are required by the state to show proof of auto insurance for your car. If you fail to file it during that period of time, or your car insurance policy gets cancelled or it doesn’t get renewed, then until you can get your SR22 filing for car insurance back, your license will be suspended. This is a hassle, especially since in most cases you are required to pay a reinstatement fee. All in all, the removal of your SR22 car insurance should be taken seriously and should not be something that you do until the required time period has ended, or you decide that you will not be driving until it does.
Now, when you remove the SR22 form from your insurance policy, your car insurance company has to file another form, which is called the SR26. The SR26 gets filed whether your period is over or not, but if you want to continue having insurance with a company and also want to have an SR26 filed, then you have to show them some kind of proof that you are no longer required to have it. If the SR26 form is filed and you do still have to have Texas SR22 auto insurance, then your license gets suspended.
Cheers,
Fashun Guadarrama.
Arrested For DUI? Texas SR22 Form Requirements
Reader question:
I was arrested for DUI and now they tell me that I have to file a Texas SR22 form. Thing is, I don’t own a car. Do I still have to get the SR22?
Jack
You definitely do.
Texas SR22 auto insurance is like all other types of insurance in that anytime someone who is required to have it is driving, they need to be insured it. When you don’t have to have SR22 car insurance, normally you can get by driving without your own insurance policy if you don’t own a car if you stick to driving the cars of friends who already have their own insurance policy for the vehicle. This works because a car insurance policy already covers most people who would drive that vehicle, be they friends of the owner or family members.
The difference between a regular insurance policy and an SR22 insurance policy in this case is that, unlike regular auto insurance, which is connected to the vehicle, the SR22 insurance is connected to you. You, as the person who was arrested for driving under the influence, have to have an SR22 car insurance policy, even if by some magical coincidence the car you are driving is owned by someone who also has a Texas SR22 auto insurance policy.
In order to get SR22 auto insurance while you do not have a car, you have to get an SR22 form filed for a non owner’s liability insurance policy. The non owner’s insurance policy is unfortunately lacking in optional coverage, which is disheartening for the driver that has to use one, but it is necessary if you do not have a vehicle registered under your own name. This SR22 non owner’s insurance policy covers only the damage you cause, the liability required by state. This includes things such as property damage and injury caused to the other driver and their property. Unfortunately, you can not add additional coverages such as collision and comprehensive, so the car that you’re driving isn’t protected unless the owner has it insured.
Cheers,
Fashun Guadarrama.
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