Information on SR-22's, DUI's and Crash Suspensions in Texas
Insurance Plus specializes in drivers who need Texas SR-22 insurance. We have several companies to get the cheapest SR-22 insurance rates possible. For most of our companies there is no additional cost for the SR22 filing. Our agents are experts who have years of experience processing SR22 insurance quotes. When you are required to have an SR22 filing as part of your auto insurance policy give Insurance Plus a call, toll free, at 1-866-466-1699 or click here to buy SR22 auto insurance online.
1) What is an SR-22 and how can I obtain an SR-22?
An SR-22 insurance policy is a certificate of insurance that shows the Texas Department of Public Safety (DPS) proof of insurance for the future, as required by law. SR-22 insurance is not necessarily "high risk" insurance. It is motor vehicle liability insurance which requires the insurance company to certify coverage to DPS, and the insurance company must notify DPS anytime the policy is cancelled, terminated or lapses. Please contact an insurance agent/company of your choice who is authorized to write liability insurance for the State of Texas.
2) If I do not own a car, how can an SR-22 be obtained?
You do not need to own a car to buy this kind of insurance. If you do not own a car, please contact an insurance agent/company of your choice and talk to them about a non-owner SR-22.
3) Can an insurance card or insurance policy be accepted toward the requirement of filing the SR-22?
No, when proof of financial responsibility is required, form SR-22 must be filed to meet the compliance requirements.
4) How long is proof of financial responsibility (SR-22) required in accident, conviction or judgment cases?
An SR-22 insurance policy is a certificate of insurance that shows the Texas Department of Public Safety (DPS) proof of insurance for the future, as required by law. SR-22 insurance is not necessarily "high risk" insurance. It is motor vehicle liability insurance which requires the insurance company to certify coverage to DPS, and the insurance company must notify DPS anytime the policy is cancelled, terminated or lapses. Please contact an insurance agent/company of your choice who is authorized to write liability insurance for the State of Texas.You do not need to own a car to buy this kind of insurance. If you do not own a car, please contact an insurance agent/company of your choice and talk to them about a non-owner SR-22.No, when proof of financial responsibility is required, form SR-22 must be filed to meet the compliance requirements.The SR-22 is required for 2 years from the date of accident, date of conviction or date the judgment was rendered. Texas Transportation Code 601.056.
5) What happens if my SR-22 is cancelled?
Once the Texas Department of Public Safety (DPS) receives notification from the insurance company that the policy is cancelled, terminated, or lapses appropriate enforcement action may be taken. If the SR-22 is still required and there is not a valid SR-22 on file, the driving privilege and vehicle registration is suspended.
Crash Suspension
Why is my license suspended?
When the Texas Department of Public Safety (DPS) receives notice that a person has been involved in a crash that occurred on a public street or highway, which resulted in injury, death or property damages of at least $1,000.00, the uninsured driver is subject to license suspension. Texas Transportation Code 601.152 , 37 Texas Administrative Code 25.3.
Reinstatement requirements
 Comply using one of the following methods:
Provide evidence that the judgment has been satisfied in the form of a Release (form SR-11); or
Court Approved Installment Agreement (If DPS receives notice that a driver has defaulted on the court approved installment agreement, the license is subject to suspension); or
Judgment Creditor’s Consent Form (SR-84). And submit an SR-22 certificate of insurance if within 2 years from the date the judgment was rendered.
If a suspension has been enforced, a reinstatement fee will be required prior to the renewal/issuance of a driver license.
Note: If the judgment is over 10 years old you may file a certificate from the court in which the judgment was rendered that a judgment has not been renewed. Submit the required reinstatement fee.
What documents must be submitted to the Texas Department of Public Safety (DPS) to process an unsatisfied judgment?
Certified copy of the judgment. (Cannot process unless at least 60 days have elapsed since the date judgment was signed.)
Notice of Unsatisfied Judgment. (Form SR-62)
Transcript of Civil Proceedings. (Form SR-42) OR Certificate of no appeal.
Crash report (if available) or Driver's Crash Report (Form CRB-2/"Blue Form").
What is Non Owners Insurance?
Auto insurance coverage that offers liability, uninsured motorist, and medical payments to a named insured who does not own a vehicle.
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