DUI Conviction Now Need SR22 Car Insurance in San Antonio

Reader’s Question:

In a DWI conviction here in Texas, is an SR-22 car insurance still needed even with the presence of an insurance policy?

Paul

San Antonio, TX

If a person gets convicted with a DWI in Texas, it is likely that his or her driver’s license would get suspended. A driver with a suspended license has to obtain an SR-22 as mandated by Texas’ state laws. According to the Department of Public Safety (DPS) of Texas, a driver with a suspended license has to obtain an SR-22 car insurance to ensure that his future is insured. The SR-22 car insurance is also a requirement when getting the suspended license reinstated. Other requirements for license reinstatement after a DWI conviction are:

1. Payment of the reinstatement fee prior to the issuance of the license
2. Proof of auto insurance (SR-22) from the insurance company
3. DWI Education Program proof of completion for repeat offenders (as required by the court)

When a driver’s license is suspended and proof of financial responsibility is needed, the SR-22 should be presented. Only the SR-22 can be acknowledged by the state, therefore a person’s personal insurance policy (other than the SR-22) will not stand as a proof of his or her financial responsibility. It is not possible to keep an SR-22 car insurance and a separate insurance policy at the same time. If the insurance company is open to filing SR-22, car insurance then it is fine to keep them. Otherwise, cancel the current insurance policy and find another insurance company that offers SR-22 car insurance.

Automobile Insurance Coverage in San Antonio Texas

Reader’s Question:

I’m planning a road trip from San Antonio, Texas to Canada. Will my auto insurance coverage cover me if I get in trouble there? I mean, dude, that’s another country, not just another state!

Preston

San Antonio, TX

Did you say road trip? From San Antonio, Texas to Canada? Don’t forget to get a good map, as it will be your second best friend on the road, next to your auto insurance coverage.

Well, Preston, your auto insurance coverage, as is mostly the case, will be valid in Canada, but of course be sure to check with your agent to confirm. Your United States issued driver’s license is also valid in any territory of Canada, as long your status in Canada remains a visitor. Always have your auto insurance documents in your car at all times because you will be asked for them the moment you cross the border. Canadian laws are strict regarding a lot of things. If you’re thinking of partying hard, be aware that Canada has very stiff laws against alcohol and drug influence. You just might find yourself facing deportation right then and there. Also, take note that Canada has lots of rural areas and has lots of animals that may be crossing the roads there. Be on the lookout for elks, moose and deer. You don’t want to make too many claims on your auto insurance company as it will raise your insurance premium rates. Have fun and be good, Preston!