An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. It serves as proof that the driver has purchased the minimum required auto coverage in the state
. An SR-22 is not an actual "type" of insurance, but a form filed with your state to show that you are meeting your state's minimum auto liability insurance requirements
. Common reasons for needing an SR-22 include:
- DUI, DWI, or another serious moving violation
- Multiple traffic violations within a short time span
- Driving without insurance conviction
An SR-22 is typically required for about three years, and you must retain both the SR-22 and your auto insurance policy for this period. If your insurance policy lapses, your insurer is required by law to notify the Department of Motor Vehicles office, which may result in the suspension of your license. Once you have met your SR-22 obligations for the prescribed amount of time, your SR-22 status will be removed
. To obtain an SR-22, you should contact your insurance agent or the court that issued the order. They will assist you in obtaining the form and filing it on your behalf. Keep in mind that there may be a fee associated with obtaining an SR-22 certificate
