Every so often someone will need an SR22 filing in Texas, also known as high-risk insurance. The SR22 is a form or certificate that is filed with the state of Texas and guarantees them that you have purchased insurance. Should your insurance lapse, or if it is terminated by the insurance company, the state is promptly notified via a SR26 form that rescinds the SR22, and that you are in violation. If this happens, you may be subject to being arrested if you are pulled over.
SR22 is a type of motor vehicle insurance that requires the insurance company to notify the DMV of insurance coverage.
SR22 Insurance in Texas is typically more expensive than standard auto insurance. However, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone who needs an SR22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR22 while you’re insured with them.
An SR22 insurance policy is often required to reinstate driving privileges to drive when they have been suspended or revoked. Often, you will be required to provide proof of the SR22 certificate or form prior to your driver’s license being reinstated. Your agent should provide one, but ensure you ask for a copy for your records as some are held electronically. In most cases, your SR22 Insurance must be carried for a period of 3 years.
The reasons that people get an SR22 vary, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
Need an SR22? Contact us today.