Every driver has their own unique set of coverage needs. For example, those with a DWI conviction or with other serious traffic violations, like reckless driving, often need SR-22 insurance. It may also be necessary for drivers caught two or more times without liability coverage. If you fall into any of these categories, here's a closer look at what you need to know. 

What Is SR-22 Insurance?

SR-22 isn't technically auto insurance. It's a type of official certificate that verifies a driver has at least the minimum amount of coverage required by the state. SR-22 certificates are designed to ensure a person is able to take financial responsibility if they cause an accident resulting in property damage or injury.

The form is sent by the provider directly to the state verifying your coverage. If it lapses, they notify the government immediately. 

When people mention "SR-22 insurance," they're typically referring to a policy that offers an SR-22 certificate. Some companies allow drivers to add on the requirement to their current policy. However, many providers require individuals to switch to a high-risk policy. In all situations, you should expect a rate increase. 

In many cases, obtaining a certificate is a requirement for a person to have their license reinstated and must be maintained for at least two years.

What Steps to Take After a DWI

After a DWI conviction, you must complete all the eligibility requirements set forth by the court. You also need to contact a local insurance agency to find a policy with an SR-22 certificate option.

In Texas, it needs to meet the minimum liability protections, which are set at $25,000 for property damage, $30,000 for bodily injury per person, and $60,000 per incident. 

Keep yourself protected on the road with the help of Michael E. Glick Insurance in Boerne, TX. From auto to business insurance, the local agency provides Kendall County residents with a wide selection of dependable coverage opportunities. The trusted team is committed to providing a personalized experience to ensure each client finds the right plan for their needs. Request a quote for an SR-22 insurance policy online or by calling (830) 816-9488.