Driving Without Insurance – Now Need SR22 Insurance in San Antonio TX

Reader’s Question:

I live in San Antonio Texas and I would like to know if I will be needing an SR22 if I get caught driving without insurance for the second time?

Chelsea

San Antonio, TX

The Texas law requires people who operate vehicle in Texas to be able to pay for any motor vehicle accidents they cause. Most motorist do this by purchasing auto liability insurance. Section 601 of the Texas Transportation code is titled the Motor Vehicle Responsibility Act and it states the financial responsibility motorist in TX should have and penalties for not doing so.

Therefore, if you have been charged for driving without insurance in Texas for a second time your license will be revoked or suspended. To be able to reinstate it you will be required to carry and maintain an SR-22 for two years after your conviction date.

Most people choose to get SR22 financial responsibility form for their car with the first choice, an auto insurance liability policy. The state of Texas requires minimum coverage 25/50/25.

San Antonio Car Insurance – Uninsured and Underinsured Driver

Reader’s Question.

Does uninsured driver insurance policy cover property damage that is not for a car? I mean an uninsured person damages in my yard and wrecked my property.

Sam

San Antonio, TX

There are some states that offer uninsured driver coverage for property damage. You will need to check with your TX insurance policy to verify if you have that coverage. Otherwise, normal uninsured driver coverage is extra medical coverage only. This latter insurance coverage will not cover your wrecked property. If you do not have the uninsured motorist coverage for your property, you may want to seek legal advice against the uninsured motorist who damaged your property.