What Is SR22 Filing and How Do You Do It
Reader’s Question:
What is an SR22 Filing and how does it work?
Mike
Houston Texas
If the Texas Department of Public Safety advised you that you are required to get SR22 insurance after a serious offense then you will need it to be filed by your insurance provider. An SR22 is a certificate of insurance required by law that presents to the Texas DPS evidence of insurance for the future. SR22 insurance is liability insurance which involves the insurers to certify that you have the minimum coverage, and the insurer needs to inform Texas DPS whenever the insurance plan is canceled, terminated or lapses.
Once the Texas DPS obtains notice that a certain individual has terminated their insurance coverage while they are sill required to maintain proof of insurance with the Texas DPS, the drivers license will be suspended. SR22 insurance (form SR-22) or Financial Responsibility Certificate must be kept for 2 years from date of conviction.
Aside from the required filing, a reinstatement fee is also needed with the SR22 insurance. Within the 2-year period, if the DPS obtains notice from the insurer that insurance policy has been canceled, your drivers license will be suspended.
You should ask your insurance company if they do the filing for you. Expect an increase in your car insurance once the insurer sees a serious traffic violation on your driving record.
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