Do I Need SR22 Car Insurance in San Antonio for DWI Conviction?
Reader’s Question:
In a DWI conviction here in Texas, is an SR22 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.
How To Get A San Antonio Texas SR22 Form?
Q: How can I file a San Antonio SR22 form?
A: There are three different ways of filing a San Antonio SR22 form, but all of them begin with you finding an appropriate SR22 insurance company to buy your policy from. Once you have a company, your company will file the SR22 the way that fits their policy.
First of all, some companies file through the mail. They will fill out the SR22 form, mail it to you so you can sign it, and then you mail it back to them so they can mail it to the DPS. This process can take as much as 30 days, although it could take even longer if you hold it up.
Another way also involves mailing, but once you receive the SR22 form and sign it, you no longer have to involve the company but can take it up to the DPS office and hand it in yourself.
By far the fastest way is when a company files the San Antonio SR22 form electronically. These companies use Texas DOT, and can have the SR22 certificate ready, filed, and processed within two days.
San Antonio Non Owner SR22 Insurance – Cheap Rates
Q: What is San Antonio non owner SR22 and how do you get cheap rates?
A: Everyone who has had their license suspended and wants it back has to get SR22 insurance, regardless of their situation. Some of these people don’t even have cars. So how are they supposed to be insured? Here comes in non owner insurance, which is a sort of policy targeted at people who need to file an SR22 form with the DPS, and yet don’t have a car. Since they have no VIN number to write down, they can’t just get a regular policy.
San Antonio non owner SR22 insurance policies open doors for people in these situations by allowing them to purchase liability insurance (and nothing more) which will follow them around no matter what car they drive–the only requirement is that the car not be theirs. It’s flexible, since most companies which offer non owner insurance also offer all other kinds of insurance, so non owner policy holders can switch to an owner-operator policy if they buy a car.
One thing you have to look out for with non owner SR22 insurance is the cost. Because of its different way of rating, non owner insurance is more expensive than regular liability.
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