Have you lost your license, and are you working on getting it back? If this is the case, it is very possible that the term of SR22 insurance kept popping up. For most people, auto insurance is a thing that they have to purchase, don’t want to, and hope never to use. Nevertheless, as much as we despise paying for such a service, it is extremely important, especially if you care about the safety and well-being of you and your family. SR22 is a state filling required of drivers who have somehow managed to lose their license.
If you know all about it, you will definitely have your privileges reinstated in no time. SR22 is basically what happens when your insurance carrier files paperwork to notify the state about the type of coverage that you have opted for (your insurance company often sends in policy renewal and reports in which it alerts the state of our payments and evolution).
Do you Need SR22 Insurance, Houston Driver?
If you are the type of person that never passes on a yellow light, or drives bellow speed limit, you will not need SR22 insurance. But if you have the Fast and Furious gene in your blood, this might be exactly the type of insurance that you should be worrying about. SR22 insurances are usually handled by all types of car coverage companies, but you should definitely consider a high-risk one because it will offer you more options and get the job done efficiently. Also, if you fail to obtain proof of standard liability insurance, enjoy driving under the influence, or incur moving violations over a 12-month period, you should consider getting SR22 insurance.
What Makes SR22 Different from Standard Auto Insurance?
To be completely honest, the difference is not very big. A SR22 insurance is very similar to a standard auto insurance in many ways. First of all, the state will request a special certificate from your insurance company if you want to apply for a reinstatement of your driver’s license. This means that your insurer has to notify the Texas DPS to lift a driver’s license suspension. The major difference is that companies which provide with this type of coverage are usually mandated by law to notify the Texas Department of Public Safety if your policy expires. In other words, law officials will know that you are no longer an insured driver.
Is it Difficult to Get SR22 Insurance?
As we already mentioned, although most insurance companies can offer SR22 insurances, some of them simply choose to ignore these requests. This is because SR22 are usually high risk, and the insurer will have to keep in touch with the Texas DPS once you have successfully completed the policy.
If you don’t know where to find a suitable company, you can browse online, or simply check some of your local insurance companies. Tell the carrier what you want, and he will take care of the rest.
How Much Does SR22 Insurance Policy Cost?
In most cases, obtaining a SR22 insurance in the first place means that they have had your driver’s license suspended. If this is the case, you can also get it back yourself (there are four offices across the state where you can fill SR22 forms in person – Houston, Austin, Dallas, and San Antonio). The fee for it will be lower than the one from a company. Considering that you will be placed in the higher risk category, you will have to pay more than for a regular auto insurance.
Can You Renew the SR22 Insurance Policy?
The answer is yes, but you have to do it fast because the state will be notified when your insurance expires. A non-renewal within time limit (15-days) can result in the suspension of your driver’s license.
Acquiring Texas SR22 Insurance can be a bit of a hassle, but if you are punctual and understand all the requirements you should be fine.