If you get caught driving without insurance or driving under the influence of drugs or alcohol (DWI/DUI), the consequences are somewhat severe.  Not only will you have to pay surcharges to the state of Texas, but you’ll probably have to file an SR22 and keep that SR22 on file with Texas Department of Public Safety of several years.

A SR22 certificate is also known as a certificate of financial responsibility.  That tells the state of Texas that if you are driving you have insurance in case of an accident.  Typically, Texas car insurance companies add an additional surcharge or fee to your policy in order to file your SR22 in Texas.  Texas also requires Texas car insurance providers to notify the state anytime an SR22 is cancelled.  This cause a driver lots of time, heartache, and money.

Drivers that have to get SR22 insurance in Texas only have 2 options to saving money.  The First option is that they can reduce coverage down to Texas state minimum requirements.  The second option is to always have car insurance and never drink and drive.  However, if you have to file an SR22, talk to an independent agent about your options.  By picking a Texas independent insurance agent, you can save time and money by allowing the agent to shop your rates with several companies.

SR22 Insurance policies are typically considered high risk insurance policies.  Therefore, if your agent cannot find a suitable company and you are rejected by 2 or more insurance companies, your agent can submit your application to the Texas Auto Insurance Plan Association.

If you need more information or Texas SR22 car insurance or the Texas Auto Insurance Plan Association, contact us at 214-717-4326.