SR-22 Insurance in Houston, TX
If your driver’s license has been suspended or revoked in Texas, you may be required to file an SR-22 form before your driving privileges are reinstated. Rather than a type of insurance, an SR-22 form serves as proof of financial responsibility for high-risk drivers. It shows you have adequate auto insurance to meet the state’s requirements.
Amco Auto Insurance specializes in helping high-risk drivers get appropriate auto insurance coverage at a favorable rate. Contact us today for Texas-mandated auto insurance.
What Is SR-22 Insurance?
SR-22 insurance is not a separate insurance policy but a certificate or filing demonstrating compliance with the state’s minimum auto insurance requirements.
An SR-22 form confirms to the Texas Department of Public Safety (DPS) that you have the necessary liability coverage to drive legally in the state. It is often mandated as a condition for reinstating a suspended or revoked driver’s license.
Requirements for SR-22 Compliant Auto Insurance in Texas
In Texas, you may need to file an SR-22 if you have committed serious driving offenses, such as driving under the influence (DUI), driving without insurance, being at fault in an accident without insurance, accumulating excessive points on your driving record or having your license suspended or revoked.
When filing an SR-22, you must meet the state’s minimum liability insurance requirements. In Texas, this typically includes minimum coverage for bodily injury per person, bodily injury per accident and property damage.
The time required to maintain SR-22–compliant insurance varies depending on the nature of your violation. Typically, the SR-22 insurance retention period is three years, but it can be longer for more severe offenses.
How to Get SR-22 Compliant Insurance and File
Amco Auto Insurance can help you work with an insurance company authorized to file SR-22 in Texas. The insurance company will then file the SR-22 form with the Texas DPS on your behalf. It is important to note that not all insurance companies offer SR-22–compliant insurance.
Filing SR-22 before the deadline noted in your order may allow you to reinstate your driver’s license after it has been suspended or revoked. By providing proof of financial responsibility, you can demonstrate to the Texas DPS that you are now compliant with the state’s auto insurance requirements.
Driving without the required insurance coverage or driving with a suspended or revoked license can result in severe penalties and further legal consequences.
If you receive notice that you must file SR-22 in Texas, contact Amco Auto Insurance in Katy, Texas, to start comparing auto insurance quotes and meet your SR-22 filing deadline.