The majority of people assume that an SR22 car insurance policy is important only when somebody is convicted of Driving Under the Influence (DUI) or Driving While Intoxicated (DWI). While this may be true, there are numerous additional reasons as to why a person could be required to purchase an SR-22.
SR-22 is simply not a type of vehicle insurance coverage. In reality, it is just a document requested by the DMV (Texas Department of Motor Vehicles) that must be filled out and certified by a licensed motor vehicle insurance company. Generally, Financial Responsibility Insurance Coverage has practically nothing to do with DUI or DWI.
A Responsibility insurance certificate is necessary whenever your driver’s license is suspended for any reason. It is an official certification by your insurance coverage company that you have maintained continuous motor vehicle coverage for the thirty-day period it is filed. If your license is suspended due to accumulating too many traffic points, you may be required to file an SR-22 for 3 years. If your license is suspended due to a lapse in auto coverage insurance, you will also be required to file an SR-22 certificate for 3 years.
In the case of a DUI-related license suspension, you may have to additionally file Liability insurance to regain your license.
Without SR22 coverage, you risk losing your current license and the driving privileges.