How Do I Get Proof of San Antonio Car Insurance Coverage
Reader’s Question:
What documents can be considered as proof of my San Antonio car insurance?
Vince
San Antonio, TX
Various documents can be presented as proof that you have an existing San Antonio car insurance. Firstly, the insurance identification card should be carried at all times when driving. This has to have the correct start and end dates of coverage to avoid being accused of driving an expired insurance coverage. It can also be in the form of a letter or binder from the authorized insurance broker or representative of the company. The letter has to bear the insurance company’s letterhead. If you have neither of these, then you can always present your San Antonio car insurance policy. This document has to have the complete information on your vehicle identification number, the company name of your insurer, the policy number and expiration date of your coverage.
If you do not have your own car but chose to purchase your own non owner San Antonio car insurance, then a DMV Certificate of self insurance that includes the name of the vehicle owner will be honored as proof of insurance as well. Bear in mind that any of these documents have to be presented when questioned by the police to avoid headaches. If you however happened to be pulled over and are not able to present any of the said documents, you will be given ten days from the date of citation to appear before the TX Department of Motor Vehicles (DMV) and present the requested proof of financial responsibility.
SR22 Insurance Filing In San Antonio Texas
Reader’s Question:
I found on the Internet this company that offers SR22 auto insurance and says that they can file it for me without the knowledge of my car insurance company here in San Antonio, is this safe to do?
Valentino
San Antonio, TX
There are quite a number of services that are available through the Internet that says they can file your SR 22 insurance without the knowledge of your car insurance company in San Antonio. But bear in mind that this kind of SR 22 insurance policy does not include the actual car insurance coverage. All they have to do is to file the SR22 for you and to answer your question, this is not a safe thing to do.
Once the Department of Motor Vehicles (DMV) finds out that the company that files your SR22 certificate is not the same as the car insurance company that they have on file, you will be charged for additional fees. If that happens, the money that you can save for not informing your car insurance company about your need to file may not be enough to pay for the fines that will be imposed by the DMV.
My advice is that you just have to get in touch with your current car insurance company and tell them that you need to get SR 22 insurance. This will not take so much of your time and if they don’t offer SR 22 insurance or charge you an unbelievable price for it, you can always shop around and find a car insurance company that can offer the best price for you.
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