SR-22 Insurance for High-Risk Drivers in Houston
If you’ve been told you need an SR-22, it’s crucial to meet the requirements on time. LC Insurance helps drivers meet their SR-22 obligations and find coverage that aligns with state minimums and personal driving needs.
What Is an SR-22 and Who Needs One?
An SR-22 is a certificate your insurance company files with the state to prove that you carry the required liability coverage.
You may be required to file an SR-22 if you’ve:
- Been convicted of a DUI or DWI
- Accumulated multiple traffic violations in a short time
- Caused an accident while uninsured
- Had your license suspended or revoked
- Were charged with driving without insurance
Most drivers must maintain continuous SR-22-compliant insurance for a set number of years (often three) without a lapse or cancellation.
How SR-22 Insurance Works
Your insurance provider will file the SR-22 form on your behalf once you’ve purchased a qualifying policy. You may need one of the following:
- Owner SR-22 insurance, if you have a vehicle in your name
- Non-owner SR-22 insurance, if you don’t own a vehicle
In both cases, you must meet state-required liability limits, and some drivers may choose to add extra coverage like comprehensive or collision.
Let’s Make the Process Easier
LC Insurance works with drivers across Houston to help them meet SR-22 filing requirements. Contact us today to request a quote.