You Need SR22 Insurance

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.

Tags: auto insurance, DUI, SR22 insurance