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.