When it comes to car insurance, it’s important to understand the laws your state has for it. Doing so can help protect you from liability after an accident and enable you to recover losses from one. It also can help you make sure that you're driving legally each day on the road!
This is why understanding SR-22 insurance in Texas is important.
Many people know that Texas is a fault state when it comes to car insurance. If you didn’t know this, you can read our blog about fault insurance. To summarize, fault insurance means that drivers who cause an accident must have minimum insurance coverages that the not-at-fault parties can use to recover their losses.
Part of Texas’ insurance requirements is having an SR-22 certificate, especially if a person has certain traffic violations—such as a DUI—on their record.
How to Get an SR-22 Insurance Certificate
The term “SR-22 insurance" exists because the certificate is most often needed when a person must prove to TxDOT that they’re insured after having their driving privileges reinstated.
Many people confuse SR-22 certificates as being a type of insurance since they can receive one for having adequate coverage. However, there is no SR-22 insurance. Instead, an SR-22 certificate is something that verifies a person has adequate coverage for a vehicle that they drive.
When Do You Need an SR-22 Certification?
As mentioned above, you need an SR-22 certificate after certain traffic violations. Once a person with violations is legally allowed to drive again, they need an SR-22 certificate to show they’re properly insured. Since SR-22 insurance covers high-risk individuals, premiums for it are often drastically higher than those who have a clean driving record.
Importantly, Texas requires that SR-22 insurance is purchased in six-month increments rather than the typical month-to-month payments that insurance policies follow.
Requirements for SR-22 insurance in Texas include:
- At least $30,000 in coverage for bodily injuries per person in an accident
- At least $60,000 of total bodily injury coverage per accident
- At least $25,000 in coverage for property damage caused by accidents
There are times when a person might have to provide an SR-22 certificate to TxDOT if they don’t have a car. This happens when a person doesn't own a car but wishes to have their license reinstated. A policy for this situation is known as non-owner SR-22 insurance. Often, rates for this insurance are lower since insurers assume that those who have these policies don't drive a frequently as those who own a vehicle.
Call Arnold & Itkin if You Need Help After a Car Accident
If you’re suffering from a car accident that you didn’t cause, our car accident lawyers are ready to fight for you. Our team is ready to help you get the compensation you need whether the other party has insurance or not. We’re also ready to fight and help make sure the insurance company treats you right—a duty that some insurers don’t always honor.
Call us today for a free consultation at (888) 493-1629. We’re ready to fight for the compensation that you need to rebuild.