Have you been instructed to file an SR22 Form as part of your Texas auto insurance? This can impact on your insurance premiums, so make sure you get the deals around by comparing SR22 insurance quotes, now!
SR22 Insurance Texas – What does it mean?
You may be asked to file an SR22 form with your auto insurance if you’ve been involved in an accident or committed a traffic violation. And SR22 form is not really insurance in itself, it’s purpose is to demonsrate to the Department of Motor Vehicles (DMV) that you are financial responsible, is proof that you are carrying valid auto insurance and you should therefore be allowed to legally drive a car, even though you have the accident or traffic violation against you. In most cases, your insurance company will submit the SR22 form to the DMV on your behalf, but you can always do it yourself. The SR22 from is required as insurance policy numbers will not accepted as proof of insurance by the DMV.
Who needs SR22 Insurance in Texas?
You may need to file an SR22 form in Texas for a number of reasons, most of which relate to committing traffic violations, these include but are not limited to:
- Alcohol Related driving license suspension – Also called driving while intoxicated (DWI) or driving under the influence (DUI). In some cases, you may have to submit a certificate of completion of a Repeat Offender’s DWI education program along with your SR22 Form.
- Drugs Related driving license suspension – Your license is automatically suspended if you are convicted of drug offence, you will need a SR22 form to help reinstate it.
- Driving with suspended or invalid license – If you are caught driving when your license is suspended, the original license suspension will be doubled up and you’ll need the SR22 to reinstate it once the license suspension period is up.
- Driving without insurance – Driving without liability insurance in Texas is illegal and you may be forced to file an SR22 form if you are caught, especially if you are a repeat offender. Unders most circumstances, you’ll need to maintain liability insurance and submit a proof of it for a period of 2 years.
SR22 Insurance Texas – What will I have to pay?
Depending on the reason your license was suspended, reinstatement fees may vary, but don’t expect to pay less than $100 to get your license reinstated. Your biggest concern however should be your car insurance rates. Being forced to file an SR22 Insurance form will place you in the higher risk categoy for most auto insurers. That is why it is vitally important to compare quotes from several reputable companies, in order to find the best deals available and minimise the financial damage of the SR22 form.
