An SR-22 is a form that is filed with the state to prove that a driver has car insurance meeting the minimum coverages required by law. It is not an insurance policy, but rather a filing or an add-on that is added to a personal automobile liability insurance policy). An SR-22 is required by most state departments of motor vehicles (DMV) offices for "high-risk" insurance policies). It is sometimes referred to as a certificate of insurance or a financial responsibility filing). Not all insurance carriers offer SR-22 filings in all territories).
An SR-22 is required for certain driving-related violations, such as DUI convictions, reckless driving, and accidents caused by uninsured drivers. Laws vary by state, but in general, drivers may need to have their insurance company file an SR-22 form with the state department under the following circumstances:
- Conviction for driving under the influence or driving while intoxicated
- Serious and/or repeat traffic offenses
- An at-fault accident with no insurance
- License suspension or revocation
The length of time a driver needs to have an SR-22 varies by state, but it is usually around three years. If a drivers policy lapses or expires during this period, their insurance company is required to notify the state.
An SR-22 is not required in every state, and some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility). For instance, in Arizona, a driver seeking reinstatement under some circumstances may submit an SR-22 in lieu of depositing $40,000 in cash or certificates of deposit).
In summary, an SR-22 is a form that is filed with the state to prove that a driver has car insurance meeting the minimum coverages required by law. It is required for certain driving-related violations and varies in length by state.
