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.

Q: What is non owner SR22 in Houston TX?

A: Car insurance doesn’t always fall on the shoulders of the car owner as a responsibility, and so in many cases someone will need to get a Houston TX non owner SR22 policy when they don’t own a car but drive someone else’s. Even though most of the time if you drive another person’s car, their insurance will cover you, you have the burden of proof that you are protected on the road when you go to get your driver’s license reinstated.

You may even own your own vehicle, but need a Houston TX non owner SR22 for the car your drive at work. Once you get a non owner policy, your rates will go up somewhat. Non owner policies are priced higher because the car in the equation is an unknown quantity. You could be driving a Porsche or a Honda, the car insurance company doesn’t know. You are also only able to get liability coverage.