If you live in Texas, SR22 Insurance can be rather expensive and confusing. We put together this information together so help you figure out the best way to handle your insurance needs.
According to Texas’ financial responsibility law, if you have your driving privileges suspended or revoked, you will need to “file and maintain a Form SR-22” with Texas Department of Transportation. Generally, if you are required to file in the state of Texas, SR-22 insurance is required for a minimum of two (2) years from your conviction date.
The SR-22 is a ‘certificate of financial responsibility’ that shows the state that you have proof of insurance on file today and for the future as mandated by Texas law. Since,the SR-22 insurance is required as the result of a suspension or license revocation, you must maintain insurance and file the appropriate forms with the state of Texas.
Texas law requires your insurance company to notify the state of any changes to your insurance policy status. In other words, if your insurance policy lapses or cancels for any reason, your insurance company must send a letter to the state. As a result, your license could be re-suspended by the state of Texas if you do not maintain your Texas SR22 Insurance Coverage.
On top of filing and maintaining your certificate of financial responsibility, the state of Texas requires you to do do the following in order to reinstate your driving privileges:
- A reinstatement fee will be required prior to the renewal/issuance of a driver license.
- Obtain proof of insurance (Form SR-22) from your insurance company and submit to the Department. The Form SR-22 is required for two (2) years from the date of conviction.