Dallas SR22 Auto Insurance Policy

Reader’s Question:

I was required to get SR22 insurance here in Dallas but my auto insurance carrier does not offer it. Is it possible for me to retain my current policy and get SR22 from an insurer that offers it?

Garrison

Dallas, TX

SR22 insurance is liability coverage on your auto insurance that is required so that a driver with suspended license can reinstate his/her driving privileges. SR22 auto insurance is distinctively suitable for these circumstances since it asks the auto insurance carrier to inform the Department of Motor Vehicles (DMV) in the event that the policy is canceled, terminated or lapses. In such cases, the driver’s license would normally be suspended until the SR22 auto insurance policy is made current or reinstated. In majority of the states, you need to carry SR22 auto insurance for a certain time (normally three years) after the suspension or revocation period of your driver’s license.

You can’t purchase separate policies for SR22 insurance if you currently have auto insurance in place. What you have to do is cancel your policy if your auto insurance carrier in Dallas does not offer SR22 and get a policy from an insurer that does.

Remember that having an SR22 insurance means you are considered as a high risk driver, thus having higher auto insurance rates. You can still be able to find an auto insurance policy that has reasonable rates if you shop around and compare auto insurance quotes from different insurers.

Dallas Texas Non Owners Insurance

Reader’s Question:

Will I be able to stay on my parents auto insurance policy in Dallas Texas if I move out of their house?

Michelle

Dallas, TX

While Dallas insurance providers’ guidelines vary, most will not continue to insure you under your parent’s car insurance policy if you move out of their house. There are some exceptions if it is a temporary move, like going to college or university.

Normally, if you move out on your own you would need to get an auto insurance policy to cover yourself and your car. If you do not own a car but want car insurance then you could look for a non-owner’s policy.

Your parents may contact with their Dallas TX insurance broker to verify the specific guidelines of their insurance carrier regarding covering you if you move out.