How Does Texas SR22 Insurance work?
Texas SR22 Insurance provides a financial safety net for those that are required to understand what it means to be considered a “high risk” driver. For those that cannot understand why they need it or how SR22 works they may be in for a surprise. SR22 Insurance puts the driver’s financial security on the line and has specific regulations that must be followed. The process and consequences to not complying with the regulations must be understood.
So how does Texas SR22 Insurance work? An SR22 is filed by an insurance provider to the Texas Department of Public Safety. This document certifies that the person filing is meeting the financial responsibility requirements enforced by the agency. The SR22 document is provided strictly to drivers that have been convicted of certain traffic violations, have suspended licenses or have been convicted of a DUI or DWI.
Once the SR22 is filed with the agency it serves as a promise or guarantee that the driver will be able to pay for any damages or losses should they be in an accident. The driver must maintain the SR22 filing for a period of two to three years before the agency may remove it from their record. Failure to comply may result in cancellation of the person’s license.
In addition to filing the SR22, the person holding the document is also responsible for any liability costs. Not all policies cover this expense, so it is important to understand the coverage provided by your insurance provider. Further, Texas SR22 Insurance generally has higher premiums and those persons deemed “high risk” drivers often have to pay more for their insurance than those with a clean driving history.
Texas SR22 Insurance is essentially proof of coverage for higher risk drivers to ensure that in the event of an accident the expenses that may be incurred are paid by the driver. When the SR22 document is issued, the driver must comply with all the conditions as outlined by the Texas Department of Public Safety.
Texas SR22 Insurance is also required by law for drivers that have been convicted of alcohol related driving offense. Filing an SR22 means that the insurance company will monitor the situation for the required period, and will be able to revoke the policy if the driver does not comply.
But that’s not all, the State of Texas also requires that those convicted of alcohol related offenses must have a Breath Alcohol Ignition Interlock Device (BAIID). This device tests for alcohol on the breath before a car starts. It should be noted that having an SR22 required does not prevent a driver from getting insurance; it just serves as a guarantee that the driver is financially responsible and responsible for any damages in the event of an at-fault accident.
Further, the state of Texas also requires that those receiving SR22 filing must complete a drug and alcohol assessment to ensure that the issues are addressed and understood. The assessment must be approved before the Driver’s license can be reinstated. Furthermore, if convicted of a DUI or DWI, the driver may also be required to attend drivers safety courses.
It should be noted that SR22 Insurance is only required in Texas if you have been convicted of a serious moving violation or had your drivers license suspended for an irresponsible driving behavior. If you are looking to purchase an SR22 policy or have any further questions, contact your insurance provider.
As an alternative to SR22 Insurance, drivers can also opt for a non-owners SR22 policy. This type of policy is the same as SR22 Insurance but it is designed for those who do not own a vehicle. It is designed to provide proof of financial responsibility for those that may need to rent a car or borrow one from a friend or family member.
The nature of Texas SR22 Insurance also means that as long as the driver maintains a good driving record, they may eventually qualify for a standard or non-SR22 Insurance policy. Experienced attorneys may also be able to help drivers with their SR22 filing or getting their license reinstated. The bottom line is that Texas SR22 Insurance serves its purpose in keeping the roads safe for everyone and those found in violation of the laws should understand the gravity of the situation.