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Car Insurance Question  I was charged with a DUI on 03/26/08 in Houston, Texas. I have had full coverage on my vehicle for 6 yrs and it was in effect the day of the charge. Is the sr-22 required in conjunction with my current insurance policy, which I have never allowed to lapse?

If you are convicted of the DUI and had your license suspended by the state of Texas for this offense than yes, normally you would now be required to obtain and maintain a SR-22 as part of your driver's license reinstatement process.

According to the Texas Department of Public Safety (DPS) a conviction for driving while intoxicated (DWI) typically results in a license suspension, which time period varies by court but may not exceed 2 years. A conviction of a DWI for a person under the age of 21 will result in an automatic suspension for 1 year per Texas Transportation Code 521.344

To reinstate a license after a DWI suspension one must:

  • Pay a reinstatement fee prior to the renewal/issuance of a driver’s license.
  • Obtain proof of insurance (form SR-22) from your insurance company and submit to the Texas Dept. of Public Safety (DPS). The SR-22 is required for two years from date of conviction.
  • If a Repeat Offender's DWI education program has been required by the convicting court, certificate of completion must be forwarded to DPS prior to the expiration of the suspension to prevent an additional revocation period.

An SR-22 insurance policy is a certificate of insurance that shows the Texas Department of Public Safety proof of insurance for the future, as required by law. SR-22 insurance is not necessarily "high risk" insurance. It is motor vehicle liability insurance which requires the insurance company to certify coverage to DPS, and the insurance company must notify DPS anytime the policy is cancelled, terminated or lapses.

When proof of financial responsibility is required, form SR-22 must be filed to meet the compliance requirements - having an insurance policy already in place or an insurance card is not the proof the state requires. You may be able to keep your full coverage insurance with your current insurer if they do SR-22 filings. If they do not than normally you would need to change insurance carriers and find a company that will file this certificate of financial responsibility for you.

You will need to then maintain the SR-22 for the required period of time. If you were to cancel it then once the DPS received notification from the insurance company that the policy was cancelled, terminated, or lapsed, appropriate enforcement action may be taken. If the SR-22 is still required and there is not a valid SR-22 on file, the driving privilege and vehicle registration will be suspended by the DPS.

To find out for certain if in your particular situation you will need to file a SR-22 or not, contact the Texas DPS directly.

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Question Details
This car insurance question was asked on 5/7/2008
This auto insurance answer was last updated on 5/9/2008
Kim J requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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