SR22 Car Insurance in San Antonio For Drivers License Suspension
Reader’s Question:
My drivers license was suspended because of possession of marijuana. I just want to know if I will still be required to obtain an SR22 here in San Antonio Texas. Thank you!
Mr. Garrett
San Antonio Texas
In Texas, the penalties for possession of marijuana includes up to 180 days of jail time and/or a fine of two thousand dollars. Your drivers license will also be suspended after conviction for 180 days or 6 months.
Aside from the above penalties and fees, you will also be required to complete a drug education program that usually takes within 180 days until completion of the certificate received by the Texas DPS.
Here are the reinstatement requirements for marijuanna possession violation:
1. reinstatement fee prior to the issuance of the drivers license
2. SR22 filed to your car insurance provider and will need to be submitted to the Texas DPS. Normally, SR22 is required to be maintained for two years from the conviction date.
3. complete drug education program
This means that you will be required to carry an SR22 insurance after 6-month suspension fo your drivers license.
All you need to do is to contact your car insurance provider regarding SR22 filing and see if they offer these type of insurance. If not, it is best to shop around for car insurance provider in San Antonio and make sure you compare the prices. Expect to get higher car insurance rate since you are will be considered as a high risk driver by most insurance companies. Try comparison shopping to help you look for the best car insurance companies that will suit your needs and budget.
Car was Borrowed and Got into an Accident – What Happens Next?
Reader’s Question:
If an individual without a driver’s license operates someone else’s car and is involved in an accident, will the owner’s auto insurance cover the accident? Will it matter whether or not she had the owner’s permission to drive the car in San Antonio, TX?
Dan
San Antonio, TX
Whether the vehicle owner’s insurance will cover an accident when the car was driven by an individual without a valid driver’s license will depend upon the terms of the owner’s auto insurance policy and any exclusions the auto insurance policy may have written into it.
Generally an insurance provider will cover those that you permit to use a car. So normally if a friend borrows your vehicle your car insurance follows the vehicle and extends to any accident the driver may have while using your automobile.
Some car insurance policies though exclude from accepting car insurance claims for drivers that are driving the vehicle without a valid license. Some insurers may permit the auto insurance claim to go through but this incident claim would likely increase the owner’s car insurance rate premiums since it is more of a risk to an insurance carrier that an insured permits their cars to be driven by unlicensed motorists.
It does matter if a an individual has permission to drive the car or not. One of the prerequisites to an insurance carrier accepting a car insurance claim is that the driver of the car had permission to drive it. If somebody unknowingly takes your car without your permission then most likely an insurance carrier will not accept the car insurance claims.
You should check with your auto insurance carrier in San Antonio, TX to find out if they will accept car insurance claims arising from this accident or not.
Does Liability Auto Insurance Cover Car Damages?
Reader’s Question:
My sister was driving my car and rear ended a person. She has only liability coverage and I have a full coverage in San Antonio TX. Will my car insurance pay or hers?
Jim
San Antonio, TX
Your car insurance in San Antonio TX should pay since it was your vehicle that was being driven. There should not be any issues with your sister driving if she is not excluded from the coverage. Most auto insurance policies define in as you or a relative or any individual using your insured vehicle with your express or implied permission to do so. But, if she is a household member than she may need to be listed on the policy in order to be a covered motorist.
You should report this loss to your insurance provider if you have not already. A licensed claims adjuster will be able to inform you the coverages and benefits on your car insurance policy with you.
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