What You Need To Know About Texas SR22 Insurance Requirements
The Texas SR22 insurance requirements are needed by those who the state wants to keep track of as far as auto insurance. To make sure certain individuals are properly covered and financially responsible regarding insurance. This would be court ordered for no less than two years. This is usually from the date of the order.
In violating traffic laws, you may be subject to an order for a SR22. The form may be requested for those who are uninsured and have been in an accident, have a lot of tickets, or have moving violations. If the driver’s license has been suspended or revoked or there are a lot of traffic violations, it can be required.
The SR22 is a certificate issued by the auto insurance company. This is submitted to the Texas Department of Public Safety once issued. The company then will keep the state informed of your insurance status. It must be current at all times. The DPS will be informed if the policy has lapsed, is terminated or canceled.
If you are currently insured you will need to check with that agency to see if the SR22 can be supported. They must be informed. A new insurance company may be necessary or your current rates may increase. If a new company is needed then shopping around for rates will be the next step, then choosing the company. If you do not own a vehicle you will still need to get insurance. Ask the agency for a non owner SR22 insurance policy.
The form is issued by the insurance company and filed with DPS. The order for the SR22 once given must have proof of SR22 insurance. Your current proof of insurance will not work. The documentation portion is the important part and you will not be able to drive without the exact kind of insurance requested.
This policy must be kept active for a two year minimum. This can be longer depending on the violation and the order. Even if you move to a new state you must maintain the same type of insurance still reporting to Texas until the end of the two year minimum. If you move into the state you will not be required to have this type of insurance. The state the violation was committed determines if you will need SR22 or not.
The consequences of any interruption in coverage can lead to the auto tags, registration and driver’s license being suspended. If you are stopped, whether or not you are properly insured will be in the system. Even if you have an insurance card you will be in compliance or violation according to the system, not what is presented.
To be in compliance with the Texas SR22 insurance requirements you must first inform your insurance company. A current mailing address needs to be kept on file at the DPS and your policy has to be current at all times or a suspension is inevitable. Under no circumstances should you drive until you have the SR22 policy and even if you do not own a vehicle you will still need to insured.
An SR22 filing against you means that there is cause to demand that you maintain insurance for the vehicles you drive. With SR22 insurance, the insurer notifies the state if your policy lapses.
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