The state of Texas wants all driver’s to be able to pay for any accidents that they cause. That is why the state’s Financial Responsibility laws, requires every driver whose license has been suspended or revoked, to file and maintain a Form SR 22 with the state's Department of Public Safety. The state of Texas wants those who are considered problem drivers to have extra supervision.

SR-22 Requirement Causes

Drivers will be required to get SR 22 coverage if they are in any of the following categories:

1. If they were uninsured and had an accident in the past and were unable to pay for damages.
2. If a driver was involved in a past accident in which they have an unsatisfied judgment against them.
3. If a driver has had their license suspended or revoked, for driving while intoxicated or other reasons.
4. If a driver has received mandatory insurance supervision
5. If a driver has received three or more convictions for driving without insurance.

If you are in any of the above situations, you will have to get SR 22 insurance coverage before you can get your license reinstated. If you need SR 22 coverage, you must first get in contact with an insurance agent or company and purchase a policy. You must then pay a fee and have the insurance provider forward proof of insurance to the Department of Public Safety (DPS).

If the Department of Public Safety accepts the SR 22 application, you will receive an SR 22 form from your insurance company, and a letter of acceptance from the DPS in about 30 days. You will have to maintain the SR 22 coverage for two years from the date of your conviction. If you terminate your insurance or allow it to lapse, your license will be suspended.

There are three different types of SR 22 forms

1. The Operator's Certificate covers the financial responsibility in case the motorist does not own a vehicle.
2. The Owner's Certificate covers the financial responsibility for vehicles owned by the motorist.
3. The Operators-Owners Certificate covers financial responsibility for all the vehicles that are driven by the motorist.

SR22 Things to Remember

The cost of the same insurance can vary from company to company, and you can pay more than double for the same insurance. It is therefore imperative to shop at our site and compare quotes from a variety of insurers Be sure to choose a quality insurance company.