What is an SR22 in Texas?
Reader’s Question:
I have been hearing a lot about SR22 Insurance from people around Texas. What is SR22 and why a driver needs it? Is SR22 only for those who have been convicted with DWI/DUI?
Sarah
Amarillo, TX
SR22 is a state law that gives back the driver his or her driver’s license that has been suspended due to serious violations on the road. Actually, the SR22 is something you can show that you have car insurance if your license has been suspended due to lack of insurance. SR22 requires you to keep it up for a certain period of time and the time depends on your state’s law. SR22 is not only for those who have been convicted of DUI, a driver also needs it if he or she lacks insurance, several speeding tickets but it is more useful for those who drunk drive.
You need SR22 insurance in Texas for you to drive legally, so if your license has been suspended because you don’t have insurance then you cannot have car insurance without your license. Having SR22 in this situation is the only way you can have your license back. But if you have been caught drunk driving, your SR22 will still help you get your driver’s license but cannot help you lower your car insurance rate. Anyway, any reason that you got your driver’s license suspended makes you car insurance rate higher. You need SR22 insurance for you to be allowed to get car insurance as well as to drive but then you still need to traffic rules and regulations for when you get any ticket, it will cancel your SR22.
Does Late Car Insurance Premium Payments Increases your Premium?
Reader’s Question:
I live in Texas. I have had late payments in my car insurance premium. Will my rates go high in the future because of this?
Maria
Houston, TX
A number of things may result from not being able to pay your premiums on time. Car insurance providers in Texas will definitely consider your late payments as a negative point against you. This could possibly result in increased premiums in the future. Worse, your insurance provider may also refuse to renew your policy. Much worse, they can cancel your coverage completely.
Delivery of your payment to the car insurance company does not always mean reinstatement of your coverage. They may send back the payment to you through mail if they have cancelled your car insurance policy. Other companies keep the payment to apply to any balance you may still owe them.
But let’s say something untoward happens, like you get into an accident. There you are calling your insurer, and you’re turned down because your policy has been cancelled due to delinquent premium payments. Then since you no longer have car insurance, the state government could cancel your license.
Right now, this scenario may seem a bit improbable or exaggerated to you. But it’s not a good idea to be clueless about your car insurance status, either. So, always keep yourself updated by calling your agent and avoid future headaches.
Loading ...