If you don’t know exactly what SR-22 insurance is, you are in good company. Most people only know that an SR-22 is somehow connected to car insurance. Most people really aren’t sure exactly what it is. Some of their questions include:
- Who do you get it from, the DMV or the car insurance company?
- Do all drivers need one?
- Is it bigger than my glove box?
If you’re among this company, you have no need to worry about an SR-22 as long as you drive safely and keep your auto insurance in full force. But knowing what SR-22 coverage is may come in handy in the future, so following are the most important things to know.
Basics of SR-22
An SR-22 is not insurance. Your insurance company files an SR-22 form, also known as a Certificate of Financial Responsibility (CFR), with your state’s Department of Motor Vehicles (DMV) if you get written notice after the following incidents:
- Incurring several serious traffic offenses: Unpaid parking tickets may not affect your driving privileges, but a number of serious infractions such as speeding or blowing through a stop sign could, especially if you accumulate them in a short time span.
- Driving under the influence: A conviction for driving under the influence (DUI) or driving while impaired (DWI) is a frequent cause for filing an SR-22.
- Driving without insurance: The need for an SR-22 is pretty automatic if you are at fault in a car crash and do not have insurance. But, if you are stopped during a routine traffic stop, you are asked for your proof of insurance, along with your license. If your insurance lapsed or you don’t have any, getting your license reinstated may depend on getting SR-22 coverage.
When you are involved with any of these incidents, it is likely that you may have to provide proof of insurance to your DMV. Most states want to hear it from the insurance company and will not accept a copy of your auto insurance ID card. An SR-22 is filed by your insurance company as certified proof that you have at least the state required insurance limits. Bear in mind, SR-22 coverage is for high-risk drivers; so, filing an SR-22 form is likely to increase your auto insurance premiums.
Usually an SR-22 requirement is imposed by the state for a minimum of 3 years. However, if you are found guilty of a violation that requires filing an SR-22 or if you cause an accident, you may be ordered to file for a longer time.
We can help you get the coverage you need. Call Texas Insurance Agency at (713) 921-8000 for more information on Houston SR-22 insurance.