SR-22 Is A Certificate Of Financial Responsibility

People often make a mistake thinking of SR-22 as car insurance. In practice, it is not insurance but a form that you need to file with your state to ensure that you are following auto liability insurance requirements.

The Lack Of An SR-22 Could Cause Problems In Everyday Driving, Get It Done

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SR22 Insurance Is Mandatory If You Find Yourself In Any Of The Following

  • DUI or DWI or other alcohol violation conviction

  • Serious speeding ticket convictions

  • Multiple minor violations in a short period

  • Cited by the state for driving without SR-22 for the vehicle

  • Being involved in an accident while driving without insurance

Why Do You Need To File SR-22?

Driver Under Influence

For those who are convicted of driving either while intoxicated or under the influence of drugs. The SR-22 becomes mandatory in order to be able to drive again.

Reckless Driving

This is mandatory for those convicted of a major violation while driving, things such as driving negligence or speeding over 20mph over speed limits. These drivers must carry the SR-22 insurance document while driving.

Several Minor Driving Rule Violations

The drivers who have driven recklessly or have been at fault for multiple violations file an SR-22 car insurance form as required by the courts.

Driving Without Insurance

If a car accident occurs and the car is not under insurance coverage, the court may order the driver to carry the SR-22.

Reinstating of Driving License

The driver may need to produce an SR-22 car insurance document if he/she seeks to get back their license after suspension of the same.


The SR-22 form needs different documents for each state. Contact the automobile insurance department of your state.

Follow These Steps To File SR-22

At the time of filing SR-22, you need to follow three major steps.

Find an insurer

Contact an insurance agent and find if he issues SR22 in your state.

Verify minimum liability coverage

Limit differs from one state to another. Ask details from your provider.

Submit your SR-22

Insurance agencies usually prefer electronic submission. Make sure it is done

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