DallasTexas Car Insurance For SR22

Reader’s Question:

Hello, from Dallas, TX. In my state, is there a specific option to fulfill an SR22?

Gene

Dallas, TX

Thanks for asking, Gene. That’s a good question. As you know, an SR22 in Texas is a document that is required as proof of insurance by way of a certificate filed under the Texas Department of Public Safety (DPS) for persons charged for a certain violation.

Generally, there are 2 options within the state of Texas to fulfill the SR22 requirement and get your license reinstated or avoid getting your driver’s license suspended. In either of the following cases, Texas State minimum liability insurance limits must be maintained and followed. First, you can insure your vehicle (either a scooter, motorcycle, car or truck) in a traditional manner, and accomplish the SR22 as an attachment to the policy. This can be accomplished with liability-only or full coverage, depending on the age and type of your automobile. The second option is to obtain a non-owner policy with the liability limits applied to you, and with coverage for vehicles that you drive but do not possess. This non-owner SR22 (or named operator SR22) can also be used if you own a vehicle and already have an existing coverage in place. This way you will not have to involve your existing insurance company, and you can still take care of your license problem. This case will also apply if you are not a resident of Texas, but have moving violations within the state from past incidents.

Dallas SR-22

Q: What is a Dallas SR-22?

A: A Dallas SR-22 is a form that must be filed by your car insurance company if you choose to restore your license after a suspension. The Dallas SR-22 is, essentially, meant to keep the Texas Department of Public Safety updated on the status of your insurance.

After you have your license suspended, you have a probationary period where you must constantly submit proof of insurance–here is where the Dallas SR-22 comes in–and if you fail to have insurance coverage, then your license will be suspended again.