Texas SR22 Insurance
10AM-4PM Sa-Su
Focus - Your Insurance Specialists -- 'High Risk or Preferred - We are always looking for LifeTime Clients' ~John LaVelle, President

Texas SR22 Auto Insurance

The Lone Star state leads the country in many categories. Unfortunately, we are also tops when it comes to drunk driving fatalities. In 2011, Texas ranked number one in drunk driving deaths with 1,213 killed while driving drunk.

If you have recently been convicted of a DUI, reckless driving, driving without insurance or other serious moving violation you are probably in need of SR-22 coverage. If you are like most drivers, there is a good chance that you have no idea what SR-22 actually is, much less how to buy it.

We are here to help, below is everything you need to know about SR-22 insurance in the great state of Texas.

What is SR-22 Coverage?

SR-22 is not actually a type of insurance coverage or a policy, it is simply a document that your insurance company must file with the state DMV. This document verifies to the state that you are carrying the proper coverage levels as required by the state. In the most basic terms, a SR-22 filing is proof for the state that you are carrying the proper insurance coverage, as required by the courts.

Once a driver has been involved in a DUI or other serious driving offense, the courts will usually require the driver to carry the state minimum coverage or in some cases higher coverage levels. These coverage levels must be met in order for the driver to get their license reinstated which is where the SR-22 comes in, it is proof from the insurance company that you are covered.

Coverage Levels in Texas

Now that you are required to carry the minimum state required coverage levels, and prove it via a SR-22 filing itís a good idea to know exactly what those required insurance amounts actually are.

In Texas, every driver out on the road must carry too different types of car insurance. Bodily injury liability and property damage liability are both required if you want to be legal out on the streets of Texas.

Bodily Injury Liability

This insurance coverage will pay your expenses that are related to the injury or death of another driver when you are the at-fault driver. This insurance will also cover a pedestrian if you kill or injury someone with your vehicle.

In Texas, drivers are required to carry $30,000 limit per person/$60,000 limit per accident. In a serious accident this will not be enough coverage, most experts recommend carrying higher levels of bodily injury liability.

In order to fulfill your court ordered requirements you will have to carry $30,000 limit per person/$60,000 of bodily injury liability and your insurer will need to file a SR-22 form for those limits.

Property Damage Liability (PD)

Property damage will pay for any damage that you do to someone elseís property with your vehicle. It covers not only the damage that you do to the other personís car but other property as well. It will pay to repair fences, garages and even landscaping if necessary.

The Lone Star state requires all drivers to carry $25,000 of this insurance. While this is a good start, most experts suggest carrying at least $50,000.

Prepare to Pay

Drivers who have been convicted of a serious moving violation can expect their car insurance rates to go up dramatically. If you are required to file an SR-22 it is very possible that your current insurer will refuse to renew your policy. If this happens its time to shop around, there are a number of specialty insurance companies that handle risky drivers and SR-22 filings.

Expect your insurance costs to double and if it is a second offense, expect them to triple. While it will vary by case, there is a good chance that you will be required to file a SR-22 and pay higher insurance rates for 3-5 years. During that time it is best to keep your driving record squeaky clean or the SR-22 requirement could be extended.

In the event that you donít pay your premium or let your insurance lapse, your insurer will immediately notify the state who will suspend your license until you can prove coverage again.

Or phone us for even faster service, toll free: (866) 52-FOCUS.

Affirmative Insurance Services, Encompass Insurance, Fidelity National Financial, Progressive DRIVE Insurance, Safeco Insurance, Sentry Insurance, Travelers