After a DWI, your license is suspended for a minimum of 30 days. If you wish to reinstate your license with the Texas Department of Public Safety, you will be required to pay a reinstatement fee and submit an SR-22 form.
What is it?
The SR-22 form, otherwise known as the Financial Responsibility Form is an endorsement attached to an existing automobile insurance policy that provides the DPS with proof that you have the minimum required insurance to legally drive in Texas.
Why the DPS May Require an SR-22
For some, their ability to drive hinges on the DPS having an SR-22 on record. The most common reasons the DPS could require you to get an SR-22 are:
- Conviction of a DWI
- Conviction of driving while under the influence of drugs
- Driving on a suspended license
- Multiple No-insurance tickets
- An unpaid judgment for a liability claim
- Excessive traffic violations
Minimum Liability Amounts in Texas
Each state has a slightly different breakdown of minimum insurance liability coverages. In order to drive in Texas, your insurance policy must have the following minimum liability coverages:
- $30,000 Limits for Bodily Injuries per person
- For example:
- Person A is injured and has $45,000 in medical bills
- Person B is injured with $10,000 in medical bills
- Person C is injured with $15,000 in medical bills
- Persona D is injured with $10,000 in medical bills
- Under the $30,000 limit for bodily injuries, Person A would only be insured by the drivers’ insurance up to $30,000. The rest of the $15,000 in injuries would likely be covered by the other driver’s insurance that was involved in the crash.
- For example:
- $60,000 Limits for all bodily injuries to all persons in the vehicle.
Meaning, if four people are injured for a total of $100,000 in medical bills, the policy will only pay $60,000 of those.
- Using the breakdown above and assuming they filed claims in the order their names appeared, Person A would collect $30,000 from the driver’s insurance, and Person B could collect $10,000. Person C could collect $15,000 adding up to $55,000 total claimed. Finally, person D could only collect $5,000 because the driver’s policy will have reached its limits.