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.
Cheap Car Insurance In Houston
Reader’s Question:
I’ve been shopping for car insurance in Houston and I can’t help but notice that most car insurance policies here are more expensive than anywhere in Texas. Is that safe to assume?
Tracy
Houston, TX
For the most part, car insurance in Houston is more expensive anywhere in Texas. The number of car accidents has risen in this part of Texas for the past several years, and this has led to many car insurers to jack up their prices to cover the rise of insured car accidents.
But the good news is that you can still get cheap car insurance in Houston despite the increase in the rates of car insurance policies. The key is to shop as hard as you can. You might not be spending enough time asking around and shopping for the best vehicle insurance policy. Go online and join Internet forums of car owners. Here you can pick up ideas and information on which car insurance company provides the cheapest Houston car insurance policies.
When applying for car insurance, make sure that your vehicle is secured. Install security devices in it such as alarm system, brake system, and immobilizers. You will maximize the chances of your car being rated as low risk, and consequently earning you a lower car insurance.
Auto Insurance With SR22 in Houston?
Reader’s Question:
I am a resident of Houston and I am just wondering if I get two tickets for driving without insurance, will I need to get an SR22?
Carol
Houston, TX
Normally, yes, if you have been convicted of operating a vehicle without insurance in Houston Texas or in any plac in Texas for a second time your license will be suspended and to restore it you will be required to get and maintain an SR-22 for two years after your conviction date.
If the Department of Public Safety informed you that an SR-22 is required then it will need to be filed by your insurance provider. An SR-22 insurance policy is a form of insurance that shows the Texas DPS proof of insurance for the future, as required by the Texas law. SR-22 insurance is car liability insurance which requires the insurance carrier to certify coverage to DPS, and the insurance carrier must notify DPS anytime the policy is cancelled, terminated or lapses.
Charged With DUI in Houston – Need SR22 Auto Insurance?
Reader’s Question:
I was charged with a DUI in Houston and I have had full coverage on my vehicle for 5 years and it was in effect on the day of the conviction. Am I required to get AR22 in conjunction with my current insurance policy I have, which I have never allowed to lapse?
Andrea
Houston, TX
If you are charged of the DUI and had your license suspended by the state of Texas for this offense then yes. Normally you would now be required to acquire and maintain a SR-22 as part of your driver’s license reinstatement process.
The Texas Department of Public Safety (DPS) states that a conviction for driving while intoxicated (DWI) typically results in a license suspension. The time period varies by court but may not exceed two years. A conviction of a DWI/DUI for an individual under the age of 21 will result in an automatic suspension for a year per Texas Transportation Code 521.344
Now, you will need to then maintain the SR-22 for the required period of time. If you are going to cancel it and the DPS received notification from the insurance provider that the policy was canceled, terminated, or lapsed, appropriate enforcement action may be taken. If the SR-22 is still required and there is no valid SR-22 on file, the driving privilege and vehicle registration will be suspended or revoked by the DPS.
To make sure if in your particular situation you will need to file a SR-22 if not, contact the Texas DPS directly.
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