Personal and Commercial Texas Auto Insurance Specialist
Safety Responsibility (SR 22) filing is not an actual insurance policy but is an endorsement that is added to an insurance policy. It is a certificate filed by an insurer (insurance company) on behalf of the insured (policyholder) notifying the Dept. of Motor Vehicle (DMV) that you are now in compliance with the state's minimum liability requirements for auto insurance. Some states do not require an SR 22, but it is required in the state of Texas.
Texas SR 22 auto insurance is generally required after a traffic ticket has been issued for driving without Texas auto insurance verification or the state required amount of financial responsibility, DUI's/DWI's or other negligent traffic convictions. And because of this, a person would more than likely be a good candidate for Texas high risk auto insurance. In the state of Texas, a person is required to keep SR 22 insurance for a period of at least 2 years from the date of an accident, conviction, or revocation.
Keep in mind that many of the larger insurance companies do not offer SR 22 filings, and may choose not to continue to provide coverage for you at renewal time.
If your SR 22 auto insurance policy lapse, expire, cancel, or is not renewed as needed, the law requires the Texas auto insurance company to notify the Dept. of Motor Vehicle via SR 26 that you are no longer in compliance with the mandatory liability requirements of the State of Texas. Not maintaining the required SR22 filing may result in having your driver's license suspended or revoked. As of December 2009, Per the Star -Telegram, there has been over 481,000 (over 25%) uninsured motorist in Dallas,Texas.
A Texas auto insurance company may consider you too much of a risk and may issue you a Texas high risk auto insurance policy, or they may refuse to accept your application for insurance, altogether. If you are rejected by at least two Texas auto insurance companies within the past 60 days, you may be a candidate for the Texas Auto Insurance Plan Association (TAIPA). You can contact an independent agent to start application process. Most auto insurance companies must participate as a member of this association (unless it is a county mutual company applying for an exemption).
An important component used to calculate your auto insurance quote is your driving history. A poor driving record may leave you with few options in purchasing your policy. Whether you purchase a Texas high risk auto insurance policy or Texas Auto Insurance Plan Association, the cost of this policy will be more expensive than the average auto insurance policy.
Important Things to Consider: For minors with alcohol-related offenses, that minor's license will automatically be suspended as follows: There are no reinstatement requirements for the following alcohol-related offenses committed by a minor
Per the Texas Department of Safety, the reinstatement fees are as follows:
Medical Revocation (SR 22 not required) SR22 Submission The form must be submitted on pink paper, in addition to the appropriate reinstatement fee This form may be mailed to the following address Contact us today for additional information about Texas SR 22 auto insurance filing certifications.
Important Things to Know
A person's license can be revoked if it is deemed medically necessary by the Medical Advisory Board (MAB). This is a board of physicians that are appointed by the Texas Health Department. If someone notifies the board that an individual may present danger to the public while operating a motor vehicle, the board will examine all credible documents involving the person of concern. If the MAB concludes this person is medically unable able to drive and present a great risk to the public, at large, they can make a recommendation to the Texas Department of Public Safety (DPS) to revoke this individual's license. The reinstatement fee for Medical Revocation is $100.
SR 22 Certification Forms
