How Does SR-22 Coverage Work?
An SR-22 (financial responsibility) is also known as SR-22 insurance or Certificate of Financial Responsibility (CFR). The SR-22 policy was created to make it difficult for high-risk drivers to operate a vehicle without insurance. The Department of Motor Vehicles (DMV) uses the SR-22 insurance certificate in Texas and Nevada to verify that a high-risk driver possesses the state-required insurance.
If you are classified as a high-risk driver, A-Abana Auto Insurance will help. After you purchase an auto insurance policy, we file the form to obtain an SR-22 certificate that gets you on the road again — legally. Without an SR-22 certificate, the DMV revokes the license of uninsured, high-risk drivers. SR-22 policies range from one to five years, depending on the nature of the violation. Cheap SR-22 insurance in Texas may not always be best; A-Abana offers first-rate, affordable SR-22 insurance that fits your circumstances and budget.
Who is Required to Carry SR-22 Insurance?
Simply put, drivers who have been convicted of serious motor vehicle-related violations, including driving without insurance, are required to carry the Texas and Nevada SR-22 insurance certificate. The DMV notifies the individual that he or she has been designated a high-risk driver subject to the SR-22 requirement.
Examples of violations that result in the SR-22 requirement include:
- DWI/DUI (Driving While Impaired/Driving Under the Influence)
- Failure to carry insurance
- Multiple moving violations
- Reckless driving
These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions and do not constitute an insurance contract or coverage for specific losses. For a complete description, please consult your policy contract or contact your insurance agent.