|
About SR22 Filings and Texas Auto Insurance
Austin Insurance Group makes it easy to SAVE BIG on SR22 car insurance with the best rates in Texas. We can provide an instant, online insurance quote and instant SR22s not only for Texas, but we can file your SR22 in any state in the country. We offer instant electronic SR22 filing.
If you need your Texas SR22 insurance now or have a suspended license because of a DWI, DUI, no insurance tickets, or for any other reason, we can provide an instant SR22 insurance quote for nonowners insurance or for owner operators .
Same Day Coverage
We can in most cases have your SR-22 certificate ready and available as a same day service. You have the following options.
-
Free SR 22 Instant Electronic service offered by many underwriters.
-
You can file it yourself at your local Drivers License office.
-
If you have an attorney to handle this matter for you. Provide it to your attorney. But having an attorney is not necessary in most cases and you can file an SR22 through your insurance agent without incurring the extra attorney fees.
Frequently Asked Questions about SR22s
1. What is an SR22?
An SR22 insurance policy is a certificate of insurance that shows the Texas Department of Public Safety (DPS) proof of insurance for the future, as required by law. SR-22 insurance is not necessarily high risk insurance. It is motor vehicle liability insurance which requires the insurance company to certify coverage to DPS, and the insurance company must notify DPS anytime the policy is cancelled, terminated or lapses. Please contact an insurance agent/company of your choice who is authorized to write liability insurance for the State of Texas.
For most, an SR22 filing requirement is due to a traffic infraction. Failure to comply with the requirement usually will result in suspension of driving privileges. DWI's DUI's and Tickets for Driving Without Financial Responsibility or no Insurance, occasionally there may be other reasons it is required or otherwise desired. The SR 22 Form requested by a licensing authority can be issued by an Insurer in your state. The coverage represented must meet the minimum limits. In Texas 30/60/25 or 85 total is the minimum required by law. The face of the form indicates verifiable financial responsibility from the Insurer to the state on behalf of the named insured.
Texas SR22 Insurance is Auto, or other coverage such as an Operators or Non Owners insurance Policy, where the Insured has Requested Financial Responsibility filing for the state from the Insurance company. The Sr 22 insurance form is an endorsement to your auto liability insurance policy. This is usually the result of a Traffic Ticket for driving without the minimum financial responsibility or a DWI or a DUI citation, accidents or other traffic related incidents.
Return to Top
Wikipedia Definition
2. How much will a Texas SR22 cost?
The filing fees vary by insuring company but are usually minimal. No matter what some companies tell you, there is usually a charge to file an SR22 for you. It's built into the cost of your insurance. In order to file an SR22 for a Texas license, you must obtain Texas auto insurance. Then we can provide an SR22 to any state that needs to release your license for obtaining a Texas license.
Return to Top
3. How long does it take?
Instant Issue.
Many of our underwriters now offer electronic service for you. When filed electronically it typically propagates state databases within 12 to 24 hours.
Return to Top
4. What if my license is suspended?
If you've already had your License suspended and an SR22 is required, you will need to file the form with the appropriate fines or fees before your suspension can be lifted.
Return to Top
5. Can I get same day coverage?
We can in most cases have your certificate ready and available as a same day service on request whenever you effect coverage. You have the following options.
1. Free Electronic service offered by many underwriters.
2. Free SR 22 express file.
3. You can file it yourself at your local DPS office.
4. Occasionally you may wish to have your attorney handle the matter for you, in which case we will provide the SR 22 form to you for your attorney's use.
Return to Top
6. How long is it required?
In Texas the SR-22 is usually required for 2 years from the date of accident, date of conviction or date the judgment was rendered. During your term, you must maintain your filing in order to keep your license valid and current. If your policy expires, is cancelled or ceases for any reason. The insurer is required by law to notify the ordering State.
Return to Top
7. Where do I get one?
Only an auto insurance agent can Issue and sign your SR22 insurance certificate on your behalf. Your Insurer may file it for you or give it to you to file yourself but only the insurance company may Issue the certificate. It is unlawful for any other entity, or 3rd party to issue a Certificate on your behalf without your company's consent and can void your policy under fraud and forgery statutes.
Return to Top
8. What is the penalty for failure to maintain an SR22?
When notice that your coverage and SR 22 is no longer valid is received by the State Licensing Authority, and if your filing period requirement has not yet been met, The Drivers License is generally suspended again until such time as a replacement is filed by another Insurer.
It is important during this time that your address information be correct and up to date with your State Licensing Authority. You will usually receive any notice from them regarding the status of your driving privileges at the home address listed.
Many people have found only after months or sometimes years later that they have been driving on a Suspended License. This is usually the result of outdated address information on file with DPS.
It is important to keep this information up to date because this is the address at which you will be sent mail, including, Renewals and Notices Of Suspension.
You need to maintain your sr22 insurance Texas filing until your required filing period has expired. Your insurance company has been required by law to notify the state by cancellation of your SR 22 when your attached auto insurance policy lapses, If not replaced with another insurance certificate, then your Drivers License along with vehicle tags and registrations can again be suspended.
Return to Top
9. What are my responsibilities during the filing term?
- Make sure your insurer is aware of your requirement.
- Keep your policy active to avoid possible suspension.
- Make premium payments on time.
- When you no longer need to file the SR 22, contact your agent or insurance company to have it removed from your insurance, but keep your insurance active, otherwise, you may find yourself needing to file it again.
- Keep your mailing address current. It is required by law anyway and is also the address where DPS and sends mail regarding licensing status and updates.
- Don't drive without insurance coverage. If you have a lapse, cease driving and replace your SR22 insurance as soon as possible.
Return to Top
10. What happens if my insurance and SR22 gets cancelled?
Your insurance company has been required by law to notify the state by cancellation of your insurance when your auto insurance policy lapses. If not replaced with another insurance certificate, then your Drivers License along with vehicle tags and registrations can again be suspended.
Once the Texas Department of Public Safety (DPS) receives notification from the insurance company that the policy is canceled, terminated, or lapses appropriate enforcement action may be taken. If the SR-22 is still required and there is not a valid SR-22 on file, the driving privilege and vehicle registration is suspended.
Return to Top
11. What happens when I no longer need the SR22?
Your Auto Insurance coverage continues in force unless you request otherwise. If you wish you may request the SR22 Endorsement be removed when no longer needed. Remember, proof of Financial Responsibility is required for all drivers when on public roads. Our Underwriters usually already know of your driving history change, at the next renewal date your premium rate is adjusted to reflect your most recent driving experience.
Return to Top
12. If I don't own a car, how can I get an SR-22?
You do not need to own a car to buy this kind of insurance. If you do not own a car, please contact an insurance agent/company of your choice and talk to them about a non-owner SR-22.
Return to Top
13. Can an insurance card or insurance policy be accepted toward the requirement of filing the SR22?
No, when proof of financial responsibility is required, form SR-22 must be filed to meet the compliance requirements.
Return to Top
Austin drivers, as well as customers from the surrounding areas, have chosen Austin Insurance Group to save money on car insurance since 1994. You will be glad you called our agency if you are looking for same-day SR-22 filings
Contact our office today for more information on SR22 insurance or to request a quote by phone or online (click on the Progressive link above to compare SR22/Auto Insurance Rates Instantly.
512-339-2901
|
