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What is a Texas SR22?

Dec 2nd 2019 at 10:40 PM

A Texas SR22 is an automobile insurance policy in which the carrier transmits the DPS a certification showing evidence of insurance. Along with certifying liability insurance which at minimum satisfies the Texas minimum requirement; the carrier additionally should notify the Texas Department of Public Safety in case there's a lapse in coverage.

The most popular reasons someone is necessary to have a SR 22 filing include:

  • Alcohol associated license suspension
  • Drug Offenses
  • Driving with no insurance
  • Driving while suspended

An uninsured crash In many cases you are going to need the SR22 for 2 years from time it's first necessary.

In case you currently have an automobile insurance policy, the easiest method to get an SR-22 form might be with the current company of yours. They may be ready to add the SR 22 filing to the policy of yours for a little extra fee. However a insurance company's won't take clients which require a SR 22. In case that's the situation, or even in case you do not currently have automobile insurance, you are going to need to go shopping for an insurance carrier that provides a SR 22. The cost of this policy type isn't always much higher than a typical auto policy. The way your driving record is going to be a factor for the price.

In case you've a suspended license you are going to need to contact the DMV to determine what's necessary for reinstatement. This can usually include leading the SR 22, and paying out a reinstatement charge to the DMV. Sometimes you may be expected to also finish an education plan.

After your license is reinstated be cautious never to allow your insurance lapse. Which will cause a suspension and you'd have to redo the procedure and spend another reinstatement fee.

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