Do I Need SR22 If Caught Driving Without Insurance?
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.
What is San Antonio SR22 Auto Insurance?
Q: What is San Antonio SR22 insurance?
A: A San Antonio SR22 is a form which serves as proof of responsibility, which is to say, proof that you are insured to drive. While most people can show proof of financial responsibility by simply displaying their insurance card on the right occasions, some drivers must have an SR22 on file with the Texas Department of Public Safety in addition to that. Why? Because, after a license suspension, you are required to file an SR22 for a certain period of time before you can stop doing so without risking license suspension.
An SR22 is a costly form of insurance, but for many people necessary. Many ways exist for you to get hit with an SR22 requirement, such as being convicted of driving while intoxicated, driving without insurance, or racking up too many points gathered from tickets in too short a period of time.
In Texas, you have to file your SR22 for two years in almost all cases. If you don’t do so, then your driver’s license can once again be suspended. After the two year period has ended, you no longer need to file your SR22, but you might still pay higher insurance prices.
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