Houston SR22 Insurance
Q: What is Houston SR22 and how much is required?
A: When your driver’s license is suspended in Texas, here are certain consequences in the form of higher car insurance requirements which you must hold for two years after the date of your license’s first suspension. This special requirement is called the Houston SR22 form, and it must be filed by your car insurance company with the Texas DPS if you want to have your driver’s license’s workability returned to you.
Houston SR22 car insurance is costly, and although you don’t have to have more coverage than usual, you are required to keep paying on it and will be caught immediately if you fail to continue being insured. If you don’t pay your car insurance premium, your coverage will be canceled and your driver’s license resuspended along with it.
As for the required minimum car insurance for your Houston SR22 policy, you will have to follow Texas insurance laws which require you to have a total of seventy five thousand dollars in coverage, which breaks down to forty thousand bodily injury liability per accident, with twenty thousand allotted per person, and fifteen thousand dollars of property damage coverage.
Houston Commercial Auto Insurance Quotes
Q: How do I know if I need Houston TX commercial auto insurance?
A: It will depend, in the end, on what you do with your car as to whether or not you should get a Houston commercial auto insurance policy. Many people who are self employed use their vehicle for business reasons, but they also use it to go to the movies or go on vacation, among other things.
If you use your car for both business reasons and for personal reasons, then a commercial auto insurance policy is not really necessary. While you may prefer to have a commercial policy for the extra protection, since you have dual purposes for your car it may only bring you a price increase.
It’s most recommendable for you to get a commercial auto insurance policy if you do a lot of driving for your business. For example, if you transport clients, are a taxi driver, a delivery person, and so on. It would also be good for you to get a commercial policy if you go on a lot of business trips in your car. Sometimes, if you are using your car for business and get into an accident, your car insurance company won’t cover the damages because that purpose wasn’t disclosed.
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