Do I Have to Have Car Insurance With SR22 in Texas
Reader’s Question:
I just moved from Illinois to Texas. I was required to carry an sr-22 in Illinois. Do I still have to continue carrying sr22 since Im already in Texas?
Matt
Good question Matt.
Basically, sr-22 are being used differently in various states. Your sr-22 in Illinois is your car liability insurance policy that you were required to carry for reinstating your license after suspension. It is uniquely in this kind of situation because this would require your insurance company to inform DMV (Department of Motor Vehicle) if the policy has been canceled ,terminated or lapsed. Your license will be suspended until your policy has been brought current or have been reinstated if thats the case. In most States, law requires you to carry sr-22 insurance policy for a certain period of time, which is usually three years, after the end of your suspension.
If you are going to apply a license in a different state, most likely you will need to continue your sr-22 policy.
Please check with the DMV in Illinois and in Texas to verify if you are still required to carry this.
Goodluck!
MariCAR
Hit and Run Driver Accident and Car Insurance With SR22
Reader’s Question:
I have an sr-22. Someone hit me while I was driving someone else’s car. Is it covered by the policy?
Charmaine
Good Question, Charmaine.
You may first then check if the vehicle that you drove is insured. The owner of that vehicle is required to insure it. You can get in trouble if there is no insurance on that car. However, your sr-22 policy will be secondary to the insurance on that vehicle.
Since you borrowed that car from somebody else, your friend’s car insurance will kick in first if you get involve in an accident. But for instance, the accident was your fault and the damage cost to the other driver, exceeded the liability limits of your friend’s policy, that is the time that your sr-22 insurance policy will cover the excess up to the policy limits.
I hope this would help.
Goodluck!
MariCAR
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