How Long Do You Have To Carry Texas SR22 Insurance

Reader’s Question:

How long do you have to carry an SR22 in the state of Texas? What if I don’t own a car, are you still required to get it?

Gerry

Houston TX

In Texas like in most states, an SR-22 is a certificate of insurance that provide proof of insurance for the future to the Texas Department of Public Safety (DPS). This Texas SR22 insurance is not automatically considered as a “high risk” insurance. This is a certificate that requires the insurer to certify insurance coverage to the Texas DPS, and the insurer must inform the Texas Department of Public Safety whenever the insurance policy is canceled, terminated or lapses. If you let your SR22 lapse or canceled and the DPS has been notified, your drivers license will be suspended.

Generally, the Texas SR-22 insurance is required to be kept for 2 years from the date of the accident, conviction or court ruling was rendered. You may be able to read this at Texas Transportation Code 601.056.

If you do not own a vehicle in Texas, you can still get this type of insurance. There is a type called non owner SR22 for individuals who do not own a vehicle. You can get this from any insurance agent who is authorized to write Texas SR22 insurance for the State of Texas.

The Texas minimum liability amounts are as follows:

1. $25,000 for bodily injury per person per accident
2. $50,000 for bodily injury of two or more person per accident
3. $25,000 for property damage per accident

If you will be needing to get a Texas Sr22 insurance, it would be easier to get a quote first online. Insurance companies have different rating system that is why is is wise to shop for quotes and get the most affordable SR22 insurance from a reputable company in the state of Texas.

What is an SR22 in Texas?

Reader’s Question:

I am required to get an SR22 in Texas. What is it and how does it work?

Anne

Houston TX

An SR22 in Texas is a certificate that shows proof that you have the required liability insurance in Texas. This Sr22 form is filed with the Texas Department of Public Safety by your car insurance company. This proof of financial responsibility certificate are usually required for those who have been convicted of major moving violation such as DUI/DWI or driving without car insurance.

This SR22 form is submitted by your insurance company to the Texas DPS guaranteeing that you have the minimum liability insurance required by the state. In the event that your SR22 in Texas has been canceled, terminated or lapsed, your car insurance company will notify the Texas DPS and as a result, your license will be suspended.

SR22 in Texas are normally required to be maintained for a period of 2 years from the date of the conviction. SR22 filing is needed as part of the reinstatement process to have your driving privileges back. If you are required to carry an SR22 in the state of Texas, I suggest that you contact the Texas DPS and ask them the SR22 requirements and how long you are required to carry it.

Car insurance companies differ with their underwriting guidelines and insurance ratings. So if you are looking for a cheap SR22 in Texas, I suggest that you shop around first to make sure you are getting the best deal in the market. You can get SR22 quotes online and compare prices from different car insurance companies by just filling up one online form just like you see above this page. All you need to do is to wait for the result and compare the prices that suits your insurance needs and budget.

Do You Need Cheap Auto Liability Insurance in Texas?

Reader’s Question:

Do I need to have to have just liability auto insurance here in Texas?

Alyssa

Amarillo, TX

The Texas law requires that all drivers be financially responsible when they are on the road. This financial responsibility comes in the form of automobile liability insurance. This insurance is used to cover the expenses incurred during the treatment, repair or replacement of any type of damage that has been brought by the accident in which the insured vehicle is involved. The coverage of the automobile insurance policy will depend on what the insurance company and the owner of the vehicle have agreed upon. Therefore, whatever is not covered by the auto insurance policy will have to be personally taken care of by either the owner of the vehicle or the driver.

In Texas, each vehicle is required to have an insurance that could pay $25,000 for the medical expenses of one injured person, $50,000 for the medical expenses for two or more injured persons, and $25,000 for the expenses in having the other party’s vehicle repaired. This minimum liability coverage is referred to as the “25/50/25 coverage.”

The medical and vehicle repair expenses may turn out to be costly than expected. Therefore, more people are getting auto liability insurance that is beyond the state’s minimum requirement to protect their own assets (cash or any type of asset that may be used to pay for the damages). You may ask your automotive insurance agent about the other coverage options, so that you could choose which option is best for your needs.