what is a sr22 insurance

An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order in the United States. It is not an actual "type" of insurance, but rather a filing, or an add-on, that is added to a personal automobile liability insurance policy. An SR-22 is required for "high-risk" insurance policies, and not all insurance carriers offer SR-22 filings in all territories. Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. An SR-22 is required for certain driving-related violations such as DUI convictions, reckless driving, and accidents caused by uninsured drivers. An SR-22 costs approximately $25 to file, though the cost may vary by state and the insurance company. The minimum liability coverage amounts required by law vary by state. If you need an SR-22, the courts or your state Motor Vehicle Department will notify you. Your SR-22 should be valid as long as your insurance policy is active, and if your insurance policy is canceled while youre still required to carry an SR-22, you could lose your driving privileges.