What is SR22 Insurance?
In the United States, an SR-22 (sometimes referred to as a certificate of insurance or a financial responsibility filing) is a vehicle liability insurance document required by most state Department of Motor Vehicles (DMV) offices for "high-risk" insurance policies.
A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI. An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI. If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.
Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. In Arizona, for instance, a driver seeking reinstatement under some circumstances may submit an SR-22 in lieu of depositing $40,000 in cash or certificates of deposit.
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