An SR-22 is a certificate from a state licensed insurance company, an eligible surplus lines insurer, or a risk retention group . The insurer certifies on the SR-22 ; that you have purchased liability insurance that meets the minimum required limits of coverage for that state, and files the certificate with appropriate state Agency.An SR-22 is proof of “future responsibility” and is posted to your driving record.

Examples of When an SR-22 Certificate is Required

Most states require an SR-22 certificate be on file with DMV if:

• You failed to provide proof to DMV that you have liability insurance;
• You’ve been convicted of driving without insurance;
• You’ve been involved in an uninsured accident;
• You are applying for a hardship or probationary permit; or
• At the time of reinstating your driving privileges following a DUII suspension.

Note: This is not a complete list of reasons why an SR-22 filing would be required

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