SR-22 Information: What You Need to Know

If your driver's license has been suspended, your state Department of Motor Vehicles may require you to obtain an SR-22 document known as a Certificate of Financial Responsibility. An SR-22 verifies the purchase of vehicle insurance coverage required by the state for reinstatement of driving privileges.

Reasons Why an SR-22 May Be Required

The requirement to have an SR-22 is usually associated with:

• Multiple traffic offenses;
• DUIs, DWIs, or other serious moving violations;
• License suspension or revocation; or 
• Violations for failure to maintain the mandatory insurance coverage required in your state.

If you are required to get an SR-22, the traffic court where you appeared or the Department of Motor Vehicles will notify you by mail. The insurance company will charge a fee for providing an SR-22 certificate on your behalf. The amount of the fee may differ by state. Additional fees may be charged by the state.

Typical SR-22 Terms

Terms and requirements vary by state, but generally:

• You must retain both the SR-22 and your insurance policy for approximately three years.
• If your insurance policy lapses, your insurer is required by law to notify the Department of Motor Vehicle's office. Your license will be suspended until your insurance has been reinstated.
• Once you have met your SR-22 obligations for the proscribed amount of time, your SR-22 status will be removed.

Contact your insurance agent for more SR-22 information, and to determine the SR-22 and liability insurance requirements in your state. Your insurance agent can assist you in obtaining insurance and the SR-22 certificate through an insurance provider in your area.