What is an SR-22 and why do I need one?

An SR-22 is a certificate demonstrating a vehicle has the minimum liability insurance required by the State. You will need one if it is Ordered by the Court. It may also be required if your license has been suspended or revoked as the result of an accident, conviction or judgment. The Certificate must be filed with the Texas Department of Public, and maintained in force for whatever period is required.

The purpose of the SR-22 is to ensure that you maintain insurance coverage. The responsibility for monitoring the policy is shifted to the insurance company. They have to make sure the policy is current, and notify DPS if there are any changes. The SR-22 is not an actual insurance policy; it is actually an endorsement to the policy, which means you can't just go buy an SR-22.

It is important to note that a certificate of insurance coverage is NOT the same as an SR-22, and will not take its place. In other words, just because you insurance - no matter how much - that is not going to take the place of an SR-22. Not every company will issue an SR-22 since they consider it to be high risk insurance coverage. Some agents also are not familiar with the requirements for an SR-22, and may not want to  handle it; or they may provide you the wrong coverage.

It is important to get coverage from a company that knows what they are doing, and knows the requirements for satisfying DPS. If you already have coverage for you and your family, you need to be especially careful, because taking out another policy may void the coverage you already have since you cannot be insured under two policies.

In our office we routinely refer people to Accurate Concepts Insurance. They are specialists in providing SR-22 coverage, and know exactly what to do. Importantly, they also make the process relatively painless, and issue notices to everyone who needs it - including your attorney.

If you have been arrested for a DWI and want to discuss your case give us a call at 254-296-0020, or fill out our contact form.

If you've been arrested for Driving While Intoxicated and want a FREE written case evaluation, fill out the form at Do I have a Defense?

Walter Reaves
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Criminal Defense Attorney Walter Reaves has been practicing law for over 30 years.