SR-22 Insurance Requirements in Texas
R-22 Insurance Requirements for Texas Drivers with a DWI
SR-22 insurance is a certification required by the state of Texas for certain high-risk drivers. It is not a type of insurance coverage, but rather a form that must be filed by an insurance company to verify that a driver has the minimum liability insurance required by the state. Drivers may be required to file an SR-22 if they have been convicted of certain traffic violations, such as DWI, or if they have a history of multiple traffic violations or accidents.
FORMER VEHICULAR CRIMES PROSECUTOR
As a former DWI Task Force prosecutor, Brad Thornton gained experience with intoxication allegations, breath and blood evidence, field sobriety testing, police reports, crash investigations, and serious cases involving injury or death.
Today, he uses that background to anticipate the prosecution’s approach, identify weaknesses in the state’s evidence, and prepare a focused defense for people accused of DWI in San Antonio.
Brad’s former role does not guarantee a particular result, but it gives him firsthand insight into how prosecutors evaluate evidence, identify weaknesses, negotiate cases, and prepare DWI charges for court.
San Antonio SR-22 Insurance
An SR-22 form in Texas, also known as a “Certificate of Financial Responsibility,” is a document that is filed by an insurance company to verify that a driver has the minimum liability insurance required by the state. It is required by the Department of Public Safety (DPS) for certain high-risk drivers.
Drivers may be required to file an SR-22 if they have been convicted of certain traffic violations, such as DUI, or if they have a history of multiple traffic violations or accidents. The SR-22 may also be required if a driver’s license has been suspended or revoked for certain reasons.
The SR-22 must be filed with the DPS, and must be maintained for a specified period of time, usually three years. If the insurance coverage is cancelled or lapses during this time, the insurance company is required to notify the DPS, which may result in the suspension of the driver’s license.
You can get an SR-22 form from your insurance company. They will file it on your behalf with the DPS.
If you don’t own a vehicle, you can still get an SR-22. It will be known as non-owner SR-22. This type of SR-22 is for drivers who do not own a vehicle, but are required to maintain liability insurance. It will cover you in case you’re renting or borrowing a car.
HAVE YOU BEEN ARRESTED FOR DWI?
You may only have 15 days until you Driver’s License is suspended
If you have been arrested for DWI, your license may be in jeopardy. In certain circumstances, you have just 15 days to request an administrative hearing with DPS to save your license. These hearings are highly technical and you need an experience attorney to request a hearing right away and begin the process to save your license.
SAVE YOUR LICENSE
Minimum Amounts of Coverage Under SR-22
The minimum liability insurance amounts required by the state of Texas are:
- $30,000 for bodily injury or death of one person in an accident
- $60,000 for bodily injury or death of two or more people in an accident
- $25,000 for property damage in an accident
These are the minimum amounts required by law, but it is generally recommended that drivers carry higher levels of liability insurance to protect themselves financially in case of a serious accident. Some insurance companies may also require higher limits as a condition of providing coverage.
It’s important to note that liability insurance only covers damages and injuries you cause to other people, not to yourself or your own vehicle.
Contact the San Antonio DWI Attorney For More Information
If you have been arrested for DWI and have had your license suspended, you can contact San Antonio DWI Attorney Brad Thornton, board certified in criminal law and a former chief prosecutor. He was a leader on the vehicular crimes unit with the district attorney’s office and has extensive experience handling DWIs. He offers free consultations and can be reached at 210-439-5627.
