Non-owner Insurance Arlington Texas, TX
Reader’s Question:
I would appreciate if anyone could explain to me SR22 requirements in Arlington, Texas TX. What triggers to require me to get SR22 in Texas?
Barry
Arlington, TX
Violations that trigger an SR22 requirement in Texas would include, but are not limited to: DUI, driving without insurance, reckless driving, or acquiring too many points within a certain period of time. There will be a 2-year period that a filing must be held in Texas. The state of Texas TX will determine the amount of time, and a policy will need to be maintained until that date, or your license will be suspended. Your local insurance company in Arlington, Texas and the DPS office will communicate to assure that the policy is kept in force. As long as the SR22 policy is maintained, your license will remain valid on either a hardship or occupational status.
You have 2 options within the state of Texas to accomplish the SR22 requirement, and get your license reinstated or avoid license suspension. In either scenarios, state minimum liability insurance limits of 20/40/15 must be maintained. In addition to that, you can insure your vehicle in a traditional manner, and obtain the SR22 as an attachment to the policy you have in Arlington. You can have this with liability-only or full coverage, depending on the type and age of the vehicle insured.
Your second option is to obtain a non-owner policy with the liability limits applied to you, and with coverage for vehicles that you operate but do not own. Also called a non-owner SR22 policy, this can also be used if you own a vehicle and already have coverage in place. This way you will not have to involve your existing insurance company in Arlington, TX, and you can still take care of the license problem. This could also apply if you are not a resident of Texas, but have moving violations within the state from past occurrences. The non-owner SR22 is the most popular product so far, mainly for the discretion it provides.
Tags: DUI insurance, non-owner auto insurance, non-owner policy, sr22, SR22 filing
