Reader Question: What happens if my SR-22 auto insurance is canceled?

Bill, Dallas TX

Yo Bill,

To the best of my knowledge, after the (DPS) Texas Department of Public Safety gets notification from your issuing SR22 auto insurance company that your policy has been canceled or terminated, or has lapsed they will take appropriate enforcement action.

If your SR-22 insurance is still required and you do not have a valid up to date SR-22 on file, your driving privileges and vehicle registration will be suspended…and that sucks!

Reader question:

What does drunk driving DWI do to your car insurance rates?

Eleanor

Great question.

Everybody knows it isn’t worth it to get behind the wheel after you’ve had a few, and there are a thousand reasons why. From the possible injury or death to you or another person, the jail time, and the reflection on your permanent record that could have easily been avoided just by looking ahead, you don’t even need the insurance argument to persuade you not to drive drunk. However, with something so important, there’s no reason not to pile the reasons up until they’re so overwhelming you can’t get past them.

When you’re out drinking, remember that ‘I didn’t drink much, I feel fine,” doesn’t cut it. Alcohol gives you more confidence, which can distort the reality of what you have drunk.

If you’re caught driving drunk, you’re put on the blacklist insurance-wise. You have a small chance of getting your policy renewed when that time comes around. If you do get renewed, your rates might be as much as 55% higher. You’ll have to keep telling insurance companies for 5 years, and you’ll have a paper license for 11.

Cheers,

Fashun Guadarrama