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These are the most common questions with regards to Texas SR22 Insurance Filings.
What is a SR22?
An Sr22 is an insurance form filed with the Texas department of public safety stating that the named driver carries at least the minimum required liability coverage.
The insurance risk management glossary defines an SR22 as a “Financial Responsibility Filing.” States require high-risk drivers to file to prove that he or she has auto insurance using this form..
Why do I have to file an SR22?
Generally, people are required to file an SR22 due to major driving convictions or due to an accumulation of minor convictions. Major convictions that normally result in requiring SR22 filings include convictions for Driving Under the Influence of Drugs or alcohol, Driving with a Suspended or Revoked License, and Driving without Insurance.
Who Files the SR22 for Me?
Generally, your insurance company files the SR22 form on your behalf. In order to obtain an SR22, you must talk to an insurance agent that licensed to write auto liability insurance in Texas.
How long are SR22 Insurance Filings Required
In Texas, SR22 insurance filings are normally required for 2 years after a conviction date. Generally, the conviction date is determined by the court disposition date, or the date you or your attorney made a plea regardless of guilt. However, your case could differ based on your individual case.
What happens if I cancel my SR22 Insurance
If your SR22 policy cancels for any reason, your insurance company will file an SR26. The SR26 notifies the court of your policy cancellation. Cancelling your financial responsibility filing too early could result in your license being suspended again. Be sure to check with your attorney or the courts prior to cancelling your SR22 policy.