One of the most frequently asked question about SR22 insurance is as to what, exactly, it is. This is a question commonly asked by people who are told that they will have to buy such insurance. It is also a question asked by people upon encountering a mention of the insurance somewhere for their very first times. In doing so, the latter are either motivated by curiosity (in a bid to learn one more new thing) or interested in knowing whether the said SR22 insurance is something that can be of help to them.

So, what exactly is SR22 insurance?

Well, in order to understand what the SR22 insurance is properly, it is essential to first take cognizance of the laws governing motor vehicle insurance, and what happens when such laws are broken. It is that which will form a background upon which to understand the SR22 insurance. And this is where it turns out that, out of social concern, governments put in place mandatory insurance requirements for motorists. In other words, there is a minimum level of insurance that each vehicle must have, before it is legally put on the road. The spirit of this law is to protect the interest of those who may be personally hurt (or who may have their valuable property damaged) in an accident involving a motor vehicle. In the absence of such insurance, it would be upon the motorist to personally pay for such damages – and there is no guarantee that he will have, at the time of the accident, adequate money to cater for the same. This is why lawmakers, in their wisdom, deemed it essential for motorists to have a certain level of insurance on their vehicle before they can drive.

That notwithstanding, it often happens that some people still opt to drive without insurance, either unknowingly (like where the coverage has expired, but they are unaware of the same), or knowingly – like where they know that their car insurance has expired, but they still keep on driving. Now should such people be caught driving in such a state, what usually happens is that they are heavily penalized, and thereafter required to have a special type of insurance, before they can drive. That special type of insurance required of them is the SR22 insurance we are talking about. It is really a specialized form of auto insurance, given to people who have previously been convicted of driving without insurance (or for driving without adequate insurance). An insurer, giving insurance to such people is required to file a form, known as SR22, to show that they are now adequately insured.

It is from that procedural requirement that the cover gets its name of SR22 insurance. Once the policy lapses, the insurer is required to file another form, known as SR26, to certify that lapse. So it is through this SR22/SR26 system that the government – specifically the US government in some states – maintains surveillance on people who have been previously convicted of offences such as driving without insurance, to prevent the recurrence of the same offence, which can have grave implications.

Take note that the SR22 insurance is a requirement in some states, and not others. Take note too, that SR22 insurance is available even to motorists who don’t own vehicles; especially those who have previously lost their driving privileges on account of driving without insurance, and who now want the same privileges restored.

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An SR22 is not insurance, but a form to provide the proof that a driver is currently covered by a state minimum liability insurance policy. SR22 insurance filings are not needed by all drivers. The state requires an SR22 filing for drivers who have been convicted of certain traffic offenses such as a DUI, DWI, driving on a suspended license, driving without insurance or are in an at fault accident without insurance.

If you are notified you need to file an SR22 insurance certificate, check with your insurance company to see if they can file an SR22 form on your current policy. It is advisable to shop around for SR22 auto insurance quotes from other providers as well. Obviously if you do not have car insurance you will need to shop for a policy with an SR22 filing attached.

Once you are approved by your state department of motor vehicles to start the process of reinstating your driving privileges and you have properly filed an SR22 form and paid your state reinstatement fees, your driver license suspension will be lifted and your driver license reinstated. The process usually takes about 10 days, until you actually receive the notice of reinstatement also known as a clearance letter in the mail from your state department of motor vehicle office; the driver license suspension is still in force. Failure to pay you car insurance premium, will result in your policy being canceled and another form called an SR26 being issued and sent to the department of motor vehicles notifying them the policy has lapsed or canceled and will result in a new suspension being placed on your driver license again and you will need to start the process all over, including paying the fees again.

SR22 auto insurance will cost more; the cost is based on why you need the filing. A major offense like a DUI, DWI or driving on a suspended license will affect your car insurance premium more adversely than a no insurance ticket will. The SR22 form filing fee should be about twenty five or thirty dollars. The reinstatement fee from the state varies by state.

Solid advice when buying any car insurance policy is to get car insurance quotes from multiple car insurance companies. The internet is an excellent way to search for SR22 auto insurance quotes. There are many websites that can help you find car insurance companies that specialize in SR22 filings and high risk car insurance coverage. Getting quotes online can save valuable time and effort when you get your driver license reinstated.

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For more information about SR22 Form filings or SR22 Auto Insurance.

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Henry

Houston, TX.

Henry,

SR22 insurance coverage in Texas is normally required for a period of 2-3 years from the date the drivers license was re-instated after a Texas DWI conviction. But you’ll need to check with the Texas DPS to be certain of your specific SR22 insurance requirements. Normally this will be mailed to you in a certified letter when your TX drivers license is first re-instated.