SR-22 insurance is not a standalone policy but a certificate demonstrating proof of financial responsibility for drivers involved in certain driving offenses. It is a form filed by an insurance company on behalf of the driver with the appropriate state authorities.
SSR-22 insurance is necessary for individuals found guilty of serious driving offenses, such as DUI or DWI, careless driving, driving without insurance, or gathering excessive points on their driving record. The duration or time period of the SR-22 filing period varies by state but usually lasts for at least three years. The driver must maintain uninterrupted coverage throughout this period.
SR-22 insurance in Texas is often more expensive than standard auto insurance due to the higher risk associated with the driver's history.
SR-22 insurance covers the same liabilities as a regular auto insurance policy in Texas, meeting the state's minimum liability requirements. It includes coverage for bodily injury and property damage in an accident where the person who holds the policy, known as a ‘policyholder’ is at fault.
Bodily Injury Liability coverage assists in covering the costs in relation to medical expenses, rehabilitation costs, and potential legal fees associated with injuries or death of another person involved in an accident where the person who holds the policy, commonly known as the ‘policyholder’, is at fault.
Property Damage Liability coverage helps cover the costs associated with repairing or replacing another person's damaged property, such as their vehicle or motorcycle, in the event of an accident where the policyholder is considered to be at fault.
This coverage protects the policyholder in an accident with an uninsured or underinsured driver who lacks sufficient coverage to handle the resulting damages. It assists in covering expenses related to medical treatment and property damage.
Some states require the Personal Injury Protection Coverage as a part of SR-22 insurance. This coverage helps cover the policyholder's medical expenses, regardless of who’s fault it was, in the event of an accident.
SR-22 insurance in Texas is essential for several reasons.
CINCO Auto Insurance understands the importance of providing affordable SR-22 insurance coverage to meet the unique needs of individuals facing license suspension or withdrawal due to specific traffic violations, including DUI. Our SR-22 insurance offerings consist of a range of essential coverages.
Our SR-22 insurance provides the state-required liability coverage. It includes bodily injury liability, which covers medical expenses, rehabilitation costs, and potential legal fees in the event of injuries or fatalities caused by the driver.
Our SR-22 insurance policy includes uninsured/underinsured motorist coverage, which ensures that our policyholders are protected if they get into an accident with a driver who does not have an insurance policy or has an insurance package that does not provide enough coverage.
We look after your well-being by offering personal injury protection (PIP) or medical payments coverage, which covers medical expenses regardless of fault.
We understand your challenges and aim to provide affordable and reliable SR-22 insurance coverage customized to your requirements.
Get SR-22 insurance from CINCO Auto Insurance required by the state. We are an experienced SR-22 insurance company; our professional team is dedicated to helping you travel through the complexities of SR-22 insurance with ease.
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