SR22 Car Insurance Houston Texas TX

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Reader’s Question:

Hello, everyone. I’m Margaret and I’m here in Houston, TX. I’ve heard a lot about SR-22. What is it? When do you need it? And how can one get rid of it?

Margaret

Houston, TX

As you know, Margaret, SR-22 is not something motorists look forward to. SR-22 is a certification requested by the state (Texas Department of Public Safety, in our case), so they can make sure that you have sufficient coverage and that you can financially take care of liabilities if you cause a vehicular accident.

SR-22 is not insurance coverage. It is a certification that you have insurance coverage. The state is the one that requests SR-22. And if you are asked one, it basically means that the motor vehicle department is requiring you to get auto insurance and that the auto insurance company should inform the Department of Public Safety.

SR-22 is usually requested from people who have just figured in an accident or have just been convicted of a traffic offense. Even if you don’t own a car, you can still be required by the Department of Public Safety to provide SR-22. You will have to contact a local auto insurance company here in Houston, TX, and ask them about non-owner SR-22. You are required to maintain the SR-22 for 2 years beginning on the date of the accident or the date of the conviction or the rendering of the judgment. If your insurance is cancelled within the SR-22 period, you will be prohibited from driving and your car registration will be suspended.

 

Tags: auto insurance, SR22 Form, sr22 insurance

SR22 Auto Insurance San Antonio Texas TX

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Reader’s Question:

How long does a person have to carry an SR-22 in San Antonio, Texas if he or she has suspended license due to possession of marijuana?

James

San Antonio, TX

In San Antonio, Texas (and in other parts of the states, as well), a possession of marijuana (for personal consumption) normally entails imprisonment of 0 to 180 days and/or the settlement of a fine amounting to around $2,000. According to the state’s Department of Public Safety (DPS), a person who is convicted of drug offense will automatically have a suspended license whether he or she got caught while operating a vehicle or not. The offender is also required to take the drug education program and to finish that program within the 180-day suspension. A certificate will then be given to the offender upon the completion of the program, and this certificate will presented to the DPS when getting a license reinstatement.

A person who has a suspended license must carry with him or her the SR-22 until such time that his or her license gets reinstated. The SR-22 is a proof of financial responsibility that is required by the state of Texas. Normally, a person who has been in an incident that requires him or her to show proof of financial responsibility is required to obtain this insurance. This policy can be obtained from an insurance company who, in turn, would be given the responsibility of updating the DPS regarding its status (whether it was cancelled, terminated, or lapsed). No one from Texas can get his or her license reinstated unless he or she presents an SR-22 because this insurance policy is one of the state-ordered requirements.

 

Tags: auto insurance, sr22 insurance

Automobile Insurance Lapse Ramapo, New York NY

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Reader’s Question:

Hi I’m Diane from Ramapo, New York. Can anyone tell me what would happen if my insurance lapses? I have an out of the country trip next week and I may not have time to renew my insurance. Will I still be able to drive my car when I get back?

Diane

Ramapo, NY

Hi Diane. I strongly suggest you find the time to get on the phone with your automobile insurance company in Ramapo, New York. If your insurance is cancelled or lapses, it is the insurance companies’ responsibility to inform the Department of Motor Vehicle of this lapse. This would mean that you are no longer properly insured. You will also receive a notice from the DMV. The state will require you to respond within 10 days of receipt of this letter to show proof that you are still insured.

As you are not properly insured, your registration will be suspended for the same number of days that you are not insured properly. Actually, if you strictly follow the law, you should also surrender your license plates to avoid your registration being suspended or revoked. It will be more of a hassle trying to get this reinstated. If you get caught driving illegally, you may be required to get an SR-22. If you can’t pick up the phone right now, why don’t you go online and check out the websites that offer free quotes for automotive insurance? I see a lot out there these days and with a few clicks and keystrokes you will avoid a lot of inconvenience that could be brought about by a lapsed insurance policy.

 

Tags: auto insurance lapse, sr22 insurance