Read Your DPS Notice
Confirm which resolution options apply to you, your hearing deadline, and whether an SR22 or SR-22a is required.
Texas Crash Suspension Help
SR22 After a Crash Suspension in Texas
Suspended after an uninsured crash? Learn why it happened, the ways Texas DPS lets you resolve it, and when an SR22 is part of getting your license back.
☎ Call 888-577-7217Talk to a licensed agent about SR22 coverage after a crash.
Texas Safety Responsibility Act
Owner & Non-Owner Options
Licensed Agent Assistance
Quick Reference
Crash Suspension SR22 in Short
A crash suspension happens when you're found responsible for a crash and didn't have insurance. Here's the short version.
Why It Happens
An at-fault crash without insurance that caused injury, death, or $1,000+ in damage.
Hearing Deadline
Request a hearing within 20 days of your suspension notice.
Is SR22 Required?
For the deposit option, and for judgment suspensions under two years old.
Minimum Coverage
Texas 30/60/25 liability limits.
Reinstatement Fee
$100 for applicable reinstatements, plus other fees.
Who Files It
Your insurance company provides the SR22 to Texas DPS.
Understanding Your Suspension
What Is a Crash Suspension in Texas?
Texas requires every driver to be financially responsible for the crashes they cause. When a driver without insurance is found responsible for a crash, the Texas Safety Responsibility Act allows DPS to suspend that driver's license until the damages are addressed.
According to Texas DPS, your license can be suspended if all of the following apply:
- You were involved in a crash.
- The investigating officer listed contributing factors showing you were responsible.
- You didn't have auto insurance at the time of the crash.
- The crash caused injury, death, and/or property damage of $1,000 or more.
Act quickly: You can request a hearing within 20 days of your suspension notice. Late requests are denied, and the suspension starts on the 21st day.
Your Options
How to Resolve a Crash Suspension
Texas DPS lists several ways to resolve a crash suspension. Which one fits depends on your situation:
Option
What It Involves
SR22?
Proof you were insured
Show evidence of liability insurance at the time of the crash.
No
Release from liability
Submit a notarized SR-11 release from the other party, or a judgment.
No
Installment agreement
Sign an SR-19 installment agreement. Defaulting can lead to suspension.
No
Security deposit
Deposit a cashier's check or money order, plus an SR22 and SR-22a showing a policy prepaid for at least six months.
Yes
Whichever route you take, you'll also need to pay any reinstatement and outstanding fees and wait until your suspension period has ended.
Texas DPS: Crash Suspension →
Court Judgments
Judgment Suspensions and the SR22
If the other party sues you and wins a court judgment from the crash, a separate judgment suspension may follow. Texas DPS lists these ways to resolve it:
- Submit a notarized SR-11 showing the judgment has been satisfied.
- Get a court-approved installment agreement. Defaulting can lead to suspension.
- Submit an SR-84 Judgment Creditor's Consent.
An SR22 is required for a judgment suspension if less than two years have passed since the judgment was rendered. A $100 reinstatement fee applies, plus any other outstanding fees.
Two years after the crash: If there are no pending civil suits or unpaid judgments two years after the crash, Texas DPS says you may apply for reinstatement by filing an SR-60 affidavit.
Need an SR22 for a Crash Suspension?
A licensed agent can help you find coverage that meets Texas SR22 requirements.
Getting Back on the Road
How to Get Your SR22 After a Crash Suspension
If your path back to driving includes an SR22, here's how the insurance part generally works.
Talk to a Licensed Agent
Call 888-577-7217 to discuss owner or non-owner coverage that meets Texas's 30/60/25 minimums.
Your Insurer Files the SR22
Your insurance company provides the SR22 to Texas DPS. Then complete your remaining reinstatement steps directly with DPS.
Insurance Minimums
Texas SR22 Coverage Requirements
Any SR22 policy in Texas must meet the state's minimum liability limits:
Coverage
Minimum
Bodily injury or death of one person per crash
$30,000
Bodily injury or death of two or more people per crash
$60,000
Property damage per crash
$25,000
After an uninsured crash, many drivers choose higher limits for more protection going forward.
More Texas SR22 Help
More SR22 Help for Texas Drivers
Explore other common SR22 situations, or find SR22 information for your Texas city.
Common Questions
Crash Suspension SR22: Texas FAQ
Answers to common questions about crash suspensions and SR22 insurance in Texas.
Why was my Texas license suspended after a crash?
Under the Texas Safety Responsibility Act, DPS can suspend your license if you were in a crash, the officer listed factors showing you were responsible, you didn't have insurance, and the crash caused injury, death, or at least $1,000 in property damage.
Do I always need an SR22 for a crash suspension?
Not always. Texas DPS lists several ways to resolve a crash suspension. An SR22 is part of the security deposit option, and it's required for a judgment suspension if less than two years have passed since the judgment was rendered. Your notice explains which options apply to you.
Can I request a hearing on a crash suspension?
Yes. Texas DPS allows you to request a hearing within 20 days of the suspension notice. If the request is late, it's denied and the suspension begins on the 21st day.
What is an SR-22a?
Under the deposit option, Texas DPS asks for an SR22 plus an SR-22a showing a policy prepaid for at least six months. A licensed agent can explain how that works with your policy.
What happens two years after the crash?
Texas DPS says that if there are no pending civil suits or unpaid judgments two years after the crash, you may apply for reinstatement by filing an SR-60 affidavit. A $100 reinstatement fee applies.
I don't own a car anymore. Can I still get an SR22?
If you qualify, a non-owner SR22 policy can provide the required liability coverage without insuring a vehicle.
Crash Suspension Assistance
Get Your SR22 Started After a Crash
If an SR22 is part of resolving your crash suspension, a licensed agent can help you find qualifying coverage. Your insurer handles the filing with Texas DPS.
☎ Call 888-577-7217
Sources:
Texas DPS, Crash Suspension
;
Texas Department of Public Safety,
Financial Responsibility Insurance Certificate (SR-22)
.
Requirements and fees may change. Confirm your individual case
with Texas DPS. Lone Star SR22 is a lead referral service,
not an insurance company or agency.