Your Guide to SR-22 in Texas and Beyond: Get Back on the Road with Twin City Insurance Agency

If you've been informed that you need to file an SR-22, it can feel overwhelming. This is often a requirement after a major traffic violation, and it signals that you're now considered a high-risk driver. But don't worry—Twin City Insurance Agency is here to help. We specialize in navigating the SR-22 process, finding you the low rates you need while providing great customer service every step of the way.

SR-22 Requirements in Texas

In Texas, an SR-22 is a Certificate of Financial Responsibility that your insurance company files with the Texas Department of Public Safety (DPS) to prove you carry the state's minimum required liability coverage. You'll typically need to file one to reinstate your license after offenses such as:

• Driving without insurance.
• A DUI/DWI conviction.
• Multiple traffic violations in a short period.
• Being at fault in an accident without insurance.

You are generally required to maintain a valid SR-22 for two years from the date of the most recent conviction. If your SR-22 filing lapses for any reason, the insurance company is legally obligated to notify the DPS, which will likely result in the re-suspension of your driver's license.

General SR-22 Requirements for Other States

While the core purpose of an SR-22 is consistent across the country, the rules vary from state to state. Here's a brief look at how requirements can differ:

• Duration: The length of time you must maintain an SR-22 varies. While Texas requires it for two years, other states may require it for up to three years or more.
• FR-44: A few states, such as Florida and Virginia, use a similar form called an FR-44. This requires higher liability coverage than a standard SR-22, usually for more serious offenses like a DUI/DWI.
• Non-Owner Policies: If you need an SR-22 but don't own a vehicle, most states offer a non-owner SR-22 policy. This provides secondary liability coverage when you drive a car you don't own.

Low Rates and Great Customer Service

It's a common misconception that an SR-22 will make insurance unaffordable. While your premiums will likely increase, Twin City Insurance Agency works hard to find you the most competitive rates available by:

• Shopping for You: We work with a wide network of insurance carriers that specialize in high-risk policies. This allows us to compare quotes and find you the lowest price for the coverage you need.
• Finding Discounts: We'll help you explore any discounts you may still be eligible for, which can help offset the cost of your premium.
• Providing Expert Guidance: Our team is knowledgeable about SR-22 requirements in Texas and other states. We'll guide you through the process, answer all your questions, and handle the electronic filing for you. 🤝

The Risks of Not Having Adequate Coverage

The consequences of not having the proper SR-22 filing are severe. Your driver's license will be suspended, and you could face additional fines and legal penalties for driving without a valid license or insurance. This can be a costly cycle of fees and suspensions that can be difficult to escape. Don't risk further complications. Let Twin City Insurance Agency help you secure the right coverage to get you back on the road legally and safely. Contact us today for a free quote! 📞