What is SR22 Auto Insurance? Who Needs It?

Reader’s Question:

My name is Harold and I’m in Texas. What is SR-22?

Harold

San Antonio, TX

Harold, that’s quite a straightforward question. Well, SR-22 means you’ve been a bad driver, and the state of Texas wants to make sure that you will be able to financially cover the people that will be hurt and the property you damage if you cause an accident. There, I hope that was a straightforward answer.

You are “requested” by the state of Texas or the courts to carry this if you’ve just been in an accident and you were the party at fault, but you weren’t able to cover the aftermath financially. If that happens, the court or the state will want to make sure that the next time it happens, you will be sufficiently covered and the other party will be properly taken care of. To make sure, the court or state will ask you to have SR-22. You will bring this to your auto insurance company and have them sign it or fill it up. You will then bring the SR-22 form back to the state to show that you have auto insurance coverage.

Finding an auto insurance company willing to cover you is going to be harder, though. SR-22s are not popular with auto insurance companies. If ever you find one, the auto insurance premium is going to be higher than usual. And also, you are required to carry the SR-22 for at least two years.

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!