Texas Insurance Agency


Home Page Empower Insurance Customer Service Make A Payment About Us Contact Us English Spanish Contact Us
Texas Insurance Agency

Police Lights

If you recently committed a driving infraction, you might face penalties. One of these might be the requirement to get an SR-22 certificate. For those facing their first SR-22 penalty, the process might seem confusing. Here are three things to know.

1. Understand Why You Got the SR-22

If you accrue driving violations, your record might show that you pose safety risks on the road. The authorities will likely view you as someone who must carry car insurance at all times. Carrying coverage will likely keep you and others safer when you hit the road.

That's where the SR-22 penalty kicks in. The SR-22 is a form that many high-risk drivers must file with their state of residence. It verifies that the high-risk driver has active car insurance.

Not every driver will have to get an SR-22. They're usually required after more serious driving infractions such as:

  • Multiple tickets
  • Driving without insurance
  • Severe reckless driving
  • Multiple wrecks
  • DUI/DWI arrests

If you get an SR-22, find out what exact charge led to the penalty. That can help you avoid making the same mistake twice.

2. Learn How it Might Affect Your Insurance Coverage

After you get the SR-22 requirement, your auto insurance provider will have to help you file the form. Just as is the case with your state, your insurer might view this requirement as a sign that you have high driving risks.

SR-22 holders will likely face some scrutiny from their insurer when they get this penalty. Dangerous drivers are more expensive to insure. So, it is common for insurers to raise policy premiums for SR-22 holders. These drivers might no longer qualify for certain discounts either. Some insurers even refuse to cover SR-22 holders.

Call your Texas Insurance Agency agent as soon as you get an SR-22 penalty. Your agent can help you determine if you must make any changes to your policy. Your agent can also help you file the certificate with the state, usually for a small fee.

3. Remember, Don't Get Another SR-22

SR-22s usually stay on a driver's record for at least a couple of years. The good news is, if you don't commit other offenses during this time, the SR-22 will go away.

Therefore, commit to becoming a safe driver while you have the SR-22. Then, after you get rid of the penalty, don't let your guard down. Use your SR-22 experience as a lesson to remind you not to re-offend.

Remember to keep effective auto insurance active for the duration of the SR-22 penalty. The better your coverage, the more help you can get if you get in an accident.

For more information about SR-22 insurance, contact Texas Insurance Agency today.

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
Texas Insurance Agency View Our Latest Insurance News
"Thanks to TIA, our insurance costs have gone down significantly."
Texas Insurance Agency
Texas Insurance Agency
About Us
Get A Quote
Customer Service
Make a Payment
Read Our blog
Contact Us
Auto Insurance
Home Insurance
Renters Insurance
Motorcycle & Boat
Business Insurance
General Liability
Mexico Insurance
More Insurance Types...
Mailing Address
TIA -Texas Insurance Agency
6906 Airline Dr
Houston, TX 77076
Contact Us

Chat Online Now
AMCO/Texas Insurance Agency BBB Business Review
Texas Insurance agency
Employment Opportunities My Policy Location Facebook Twitter Blog RSS Feed Insurance Website Builder Home Page Linkedin Facebook Twitter Blog RSS Feed Google+ LinkedIn Referral Program No License Auto Title Transfer Young Drivers Roadside Assistance