The Texas SR22 insurance requirements are needed by those who the state wants to keep track of as far as auto insurance. To make sure certain individuals are properly covered and financially responsible regarding insurance. This would be court ordered for no less than two years. This is usually from the date of the order.
In violating traffic laws, you may be subject to an order for a SR22. The form may be requested for those who are uninsured and have been in an accident, have a lot of tickets, or have moving violations. If the driver’s license has been suspended or revoked or there are a lot of traffic violations, it can be required.
The Department of Public Safety for Texas is where the auto insurance company will file the form. The company will keep the state informed of the policy status. If it is lapsed, terminated or canceled the company will inform DPS. A current active policy is a must.
As soon as you are aware of needing the SR22 you must inform your insurance company. Do not be surprised if your company does not offer the option of SR22. If not, you will need to shop around for a new company and inform them of the needed SR22 insurance. The insurance requirement still applies even if you do not own a car. Ask the agency you wish to apply with for a SR22 non owner policy.
The certificate is normally filed by the insurance company directly to the state. It is only able to be issued by the company. Giving DPS proof of insurance will not satisfy the requirements. The policy must be one specifically for SR22 and be able to process what is needed by the state.
This policy must be kept active for a two year minimum. This can be longer depending on the violation and the order. Even if you move to a new state you must maintain the same type of insurance still reporting to Texas until the end of the two year minimum. If you move into the state you will not be required to have this type of insurance. The state the violation was committed determines if you will need SR22 or not.
The consequences of any interruption in coverage can lead to the auto tags, registration and driver’s license being suspended. If you are stopped, whether or not you are properly insured will be in the system. Even if you have an insurance card you will be in compliance or violation according to the system, not what is presented.
To be in compliance with the Texas SR22 insurance requirements you must first inform your insurance company. A current mailing address needs to be kept on file at the DPS and your policy has to be current at all times or a suspension is inevitable. Under no circumstances should you drive until you have the SR22 policy and even if you do not own a vehicle you will still need to insured.
An SR22 filing against you indicates that there is cause to demand that you maintain insurance coverage for the vehicles you drive. With SR22 insurance, the insurer notifies the state if your policy lapses.
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