Moon Insurance · TDI license #5595
Straight answers to Texas insurance questions
One question per page, answered in the first two lines. If the answer is all you needed, that is a good outcome and you owe us nothing. If it turns out you need a filing, the SR-22 page is where the form is, and the office on FM 1959 is a real one you can walk into.
Answered by Dale Moon, owner and licensed Texas insurance agent. Where an answer rests on a statute we cite the section; where it rests on a figure nobody has confirmed, we leave the figure out and say so.
What an SR-22 covers
What the certificate actually proves about a policy, and what it leaves to you, your lender and your lease.
- Does an SR-22 require full coverage in Texas?
No. A Texas SR-22 certifies liability insurance only — 30/60/25, the state minimum. Comprehensive and collision are not required by the filing. A lender or a lease can still require them, which is a contract, not the state.
More answers are being written. They publish one at a time, as each one is checked against its source rather than all at once against a deadline.
If you are ready
Reading is not filing. When the deadline is the problem rather than the rule, one independent agency on FM 1959 can compare the markets that write your situation and tell you what is actually due before you commit to anything.