In order to reinstate your driver’s license in the state of Texas, the Texas Department of Public Safety (DPS) requires that you have SR22 Texas Insurance. The SR in SR22 stands for Safety Responsibility. SR22 Texas Insurance is required for high risk drivers, and in most case it must be kept on file for 2 years from the conviction date. A reinstatement fee of $100 must also be paid. Some reasons drivers may need SR22 Texas Insurance may include: involvement in a motor vehicle accident without proof of insurance, Driving Under the Influence (DUI), Driving While Impaired (DWI), drug offenses, Driving While License is Invalid (DWLI), habitual violations, Violation of Drivers License Restriction (VDLR). The state of Texas will suspend a drivers license if a person has had 4 traffic violations within a 12 month period, or 7 traffic violations with a 24 month period.
SR22 Texas Insurance must include at least the minimum liability insurance limits for the state which are $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. Once the policy is activated by the insurance carrier, the insurance company will notify the Texas Department of Public Safety that the driver meets the legal auto insurance requirements. A lapse in coverage will result in the auto insurance company notifying the state with an SR26 Filing, which will result in another drivers license suspension. If that happens additional fees, and another SR22 Filing must be activated. That is why once an SR22 Texas Insurance policy has been purchased, it is important for the driver to pay the premium on time to prevent the policy from being terminated.
The Texas Department of Safety is located in Austin. An SR22 Texas Insurance form can be mailed or faxed to their office. It can also be brought in and submitted in person to the following 4 locations around the state: in Austin at 108 Denson Drive in Houston; 12220 South Gessner Drive in Garland; 350 West 1H 30; or in Universal City at 1633 Pat Booker Road.
Because rates vary greatly amongst carriers, it is very important to shop around thoroughly for SR22 Insurance. Rates in the metropolitan areas of Texas are higher than rates in the rural areas. Expect to pay more if you live in Houston, San Antonio or Dallas as opposed to if you live in Waco or Tyler. Getting SR22 Texas Insurance and reinstating your driver’s license will get you legally back on the road.