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SR-22 Insurance in McAllen Texas
If you've ever been pulled over for a DUI, your state likely required that you sign up for SR-22 insurance. SR-22 insurance covers the car itself only - it has nothing to do with your personal car insurance policy, if you have one. It's an addendum that basically acts as proof that you have the ability to pay for damages and injuries inflicted on other vehicles and people. You'll typically be required to carry SR-22 insurance policies for two years after your DUI conviction, but the time period can vary from state to state. The rest of this article will cover what you need to know about getting an SR-22 Insurance, including what it costs, whether or not you should go with a traditional insurance company or a specialty insurer, and what to expect when filling out your application.
Minimum Liability Amount of SR-22 Insurance Coverage
The minimum liability amount for SR-22 usually varies by state. In Texas, the minimum bodily injury coverage is $30,000 per person, $60,000 accident, and $25,000 for destruction of or damage to property. With that minimum limit, you’ll be able to legally drive in Texas after your DUI conviction.
With that minimum limit, you’ll be able to legally drive in Texas after your DUI conviction. However, if you’re in an accident that causes injury or damage to another car or property, then the state will have the right to suspend your license for being under-insured. At this point some drivers might wonder why they should bother getting SR-22 Insurance. Well, there are two reasons: First, every state has its own minimum liability amount for SR-22 Insurance. So you might be able to drive legally in your state with an insurance policy that has less than the minimum required amount for SR-22. But if you get pulled over and the officer doesn’t like your coverage, then you’ll be asked to sign up for a higher level of insurance.
Secondly, some states will suspend your license if you’re driving without insurance at all. That’s right: even if you have an SR-22 Insurance policy, the state can still take your license away for not having car insurance. However, these states will typically let you keep your license as long as it is accompanied by prison time. To avoid any issues with the state, you should get an SR-22 Insurance policy that is at least equal to your state’s minimum required liability amount. You’ll then be able to drive legally in your home state without having your license suspended for not carrying enough insurance. When it comes down to it, most drivers will find that the best course of action is to get an SR-22 Insurance policy for the full amount. That way, you’ll be able to drive legally without worrying about your insurance policy or license getting suspended if you’re in an accident that’s not your fault. Furthermore, this will enable you to save money on car insurance because your insurer won’t have to send you to a high-risk driver program and you’ll be one step closer to having your SR-22 requirements lifted.
Is it true that SR-22 Insurance can't cover all damages?
It should go without saying, but if you get in an accident, then your insurer won’t cover the damage beyond what is required by your state. That means you’ll be responsible for paying the deductible amount on your SR-22 Insurance policy if you’re in an accident that causes damage to another vehicle or property. If that’s not something you can afford, then look into getting a liability insurance policy that has super-stacked coverage limits for bodily injury and property damage. This will cover for any and all damages that you cause to other cars and properties, regardless of whether or not they’re your fault.
When getting SR-22 Insurance, should I go with a traditional insurance company or a specialty insurer?
The answer is to avoid both: You shouldn’t get an SR-22 Insurance policy from a traditional carrier or a specialty carrier. When getting an SR-22 Insurance policy, you should go with an insurance company that specializes in high-risk drivers. These special carriers don’t focus exclusively on SR-22 Insurance policies because they know that their drivers are more likely to get into accidents than your average driver. So it’s best for them to charge extra money for their SR-22 Insurance policies so that they can keep the cost of every policy as low as possible. That way, you won’t struggle to afford car insurance and you’ll be able to save money on your rates by getting an SR-22 Insurance policy from a special high-risk carrier.