If you have received notice that you need an SR-22, your driving privileges may depend on acting quickly. An SR-22 is a certificate your insurance company files with the state on your behalf, confirming that you carry the minimum auto liability coverage required by law. Texas requires this filing after certain driving violations, and until that certificate is on file, your license reinstatement will not move forward.

 

Who Typically Needs an SR-22

The state generally requires an SR-22 filing after incidents such as:

• A DUI or DWI conviction
• Driving without insurance
• Serious traffic violations or a suspended license
• Being involved in an at-fault accident without coverage

 

How Long You Will Need It

The required filing period varies depending on the violation and your driving record. In Texas, most drivers are required to carry an SR-22 for two years from the date of the conviction or court judgment that triggered the requirement, not from the date of reinstatement or the date the filing is accepted by the Texas Department of Public Safety (DPS). The exact duration is determined by the court or the state, not your insurance company. Letting your auto policy lapse during this period can trigger another suspension and additional reinstatement requirements.

How to Get Coverage in Fort Worth, TX

Working with an independent agency can help simplify this process. Rather than calling carriers one by one, an independent agent shops multiple companies to find a filing option that fits your situation. Once your new policy is bound, the SR-22 certificate is submitted electronically to the DPS, often within 24 to 48 hours, though the DPS may take longer to process it.

 

We’re Here to Help

An SR-22 requirement is not a permanent mark. Maintaining continuous coverage throughout the filing period helps you restore your full driving privileges.

 

Contact Luna Insurance Agency today to get your SR-22 filing started and find coverage that meets Texas requirements.

 

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.