The Houston Texas Financial Responsibility Insurance Certificate, also known as the SR-22 certificate, is an official document that proves an individual has the necessary liability car insurance required by the state of Texas. It is primarily aimed at individuals who have had their driver's license suspended or revoked due to driving infractions such as DUI/DWI, obtaining excessive points on their driving record, or being involved in an accident without insurance. This certificate serves as evidence that the individual has obtained the mandated minimum liability coverage, which includes $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident, and $25,000 for property damage liability. It is required for a specific period, usually three years, depending on the offense committed or as directed by the court. Failure to maintain the SR-22 certificate during this period can result in severe consequences, including license suspension or further penalties. There are different types of Houston Texas Financial Responsibility Insurance Certificates available to meet specific requirements: 1. Operator's Certificate: This type of certificate is meant for individuals who do not own a vehicle but still need liability insurance coverage. It provides proof that the person has obtained a non-owner insurance policy meeting the state's requirements. 2. Owner's Certificate: This certificate is required for individuals who own a vehicle and need to provide proof of insurance coverage. It certifies that the owner has obtained the necessary liability insurance for their car. 3. Operator-Owner Certificate: This type of certificate is for individuals who both own a vehicle and drive cars that they do not own. It provides proof that the individual has liability insurance coverage for both scenarios. Obtaining a Houston Texas Financial Responsibility Insurance Certificate usually involves contacting an authorized insurance provider in the state and requesting the SR-22 filing. The insurance provider will then file the necessary paperwork with the Texas Department of Public Safety (DPS) to confirm that the individual has obtained the required insurance coverage. The individual will then receive the SR-22 certificate as proof of compliance.
Houston Texas Financial Responsibility Insurance Certificate
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How to fill out Houston Texas Financial Responsibility Insurance Certificate?
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A Financial Responsibility Insurance Certificate (SR-22) is required by the Texas Transportation Code Chapter 601 to verify that you are maintaining motor vehicle liability insurance. A SR-22 can be issued by most insurance providers and certifies that you have the minimum liability insurance as required by law.
Pursuant to §601.051 of the Texas Transportation Code, no person may operate a motor vehicle in this state unless financial responsibility is established for that vehicle. §601.051 also lists the various methods of establishing financial responsibility, however, proof of liability insurance is the most common.
On average, minimum coverage SR-22 car insurance in Texas costs $988 per year when an SR-22 is filed due to a DUI. On the other hand, the average Texas car insurance policy without an SR-22 costs about $643 annually.
Failure to Maintain Financial Responsibility. (No Automobile Liability Insurance) A person commits an offense if the person operates a motor vehicle without an automobile liability insurance policy or other evidence of financial responsibility.
In Texas, you must have at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.
You must maintain a valid SR-22 for two years from the date of your most recent conviction, or the date that a judgement has been rendered against you. Failure to maintain an SR-22 for two years without a lapse in coverage can result in additional enforcement actions and/or reinstatement fees.
A standard proof of liability insurance form promulgated by the Texas Department of Insurance and issued by a liability insurer that includes: (A) The name of the insurer; (B) The insurance policy number; (C) The policy period (dates of coverage and issued for 30 days or more); (D) The name and address of each insured
To file for an SR-22 certificate with the Texas Department of Public Safety (DPS), follow these key steps: Find an authorized insurer or contact your current provider.Pay the appropriate SR-22 fee.Have an insurer file proof of insurance or file directly to the Texas DPS.Receive confirmation.
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