How long do I need to maintain my SR22 policy in Texas?
How long do I need to maintain my SR22 policy in Texas? It is a common question people ask when they are looking into purchasing an SR22 policy in the Lone Star State. The answer depends on the reason why you were required to obtain an SR22 in the first place.
When it comes to carrying insurance coverage and maintaining an SR22 policy, Texas follows the minimum requirements set by the state. According to Texas law, an SR22 must be maintained for two years from the date of conviction or suspension of your driver’s license. In some cases, a longer period may be required depending on your specific circumstances. Therefore, it is important for you to contact your local Department of Public Safety office or insurance provider when considering purchasing an SR22 policy in Texas.
The main purpose of having an SR22 is to show that you have sufficient liability insurance coverage while driving. Liability insurance covers you if another person or property is harmed due to something that happened while you were driving. Uninsured/Underinsured Motorist Coverage (UIM) coverage may also be included on your SR22 policy if desired.
In order to keep your license active and valid while filing an SR22, you must keep your auto insurance up-to-date at all times during its duration. This means paying any premiums within the specified timeframe each month and not letting it lapse or become invalid in any way whatsoever during this period. Additionally, you will need to provide proof of financial responsibility when requested by law enforcement officers or upon request at a traffic stop. If you are found guilty of operating a vehicle without proper financial responsibility (i.e., not having a current valid auto insurance policy), then there may be hefty fines associated as well as suspension of driving privileges for up-to one year from the date of conviction or suspension of your driver’s license – no matter how long you had been maintaining your SR22 policy prior to that time frame!
If your license has been suspended due to DUI/DWI charges specifically, then the court may require that you maintain an SR26 form instead of an SR22 – which requires three years minimum maintainance instead of two years like with standard offenses covered by just an SR22 form. So make sure to research both forms and ask as many questions as possible so that you can easily comprehend which one applies best for your situation before taking action on either one!
It is always important to carefully read through any policies that you are considering purchasing and understand their specifics such as duration periods, before signing anything – always seek advice from knowledgeable professionals if unsure about what kind and how long should be maintained for best results! Furthermore, make sure that all documents related to vehicular accidents or tickets received during this period are kept safe since these will likely need inspection during renewal processes for future auto insurance needs too!
In conclusion, Texas drivers typically need to maintain their SR22 policies for two years from the date of conviction or suspension but this can vary depending on specific circumstances so it’s best practice to contact both Department of Public Safety office and local auto insurers for more information first before deciding which plan works best for them!
Check Dallas SR22 Insurance to learn more.