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What is an SR-22 form?


A

Question: What is an SR-22 form?

Answer: The basic definition of an SR-22 form is a document that must be filled out and filed by an insurance company with the state (normally with the Department of Motor Vehicles) verifying that certain auto liability insurance coverages are in effect for a particular individual.

SR-22 insurance requirements and forms vary from state to state. 

The SR-22 itself is sometimes mistakenly thought to be a type of insurance, but it isn't.  Instead, it's proof that a driver has certain types of insurance.  What is required will be  based upon the financial responsibility laws of your state.

The reasons why the SR-22 form may be required also varies by state.  Many times it's mandated by the state after an individual was in an accident or was convicted of a traffic offense and was unable to show financial responsibility, but in some states a judge can order that a SR-22 must be filed.   Typical reasons a SR-22 form can be required to be filed include:

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  • DUI or DWI or any serious moving violation
  • At-fault accidents while driving without insurance
  • Repeat traffic offenses or getting too many tickets in a short time period
  • License suspension or revoked license - the SR22 is required as part of the reinstatement process
  • Driving without insurance (sometimes referred to as SR-22a, SR-22s, SR-26, or other variations by state)

We continually get asked if the SR-22 is really just a form and not a type of insurance. Yes, it's simply a form showing that you're carrying a certain type of liability coverage, but it must be filed by a car insurance company. 

You cannot fill out and file the form on your own.  Your auto insurer needs to be the one to verify that you have the mandated insurance coverage, and that is at the right limits for the SR-22 or FR-44 (similar to the SR-22 but requires higher limits).

Another common question is what the S and R stand for in the SR-22.  Many states say it's nothing, just a form number, but some agents say stands for State Requirement.

Most companies can provide immediate proof of insurance via e-mail or fax. Processing of SR-22 requests depends mostly on whether your state accepts filings electronically.




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44 Responses to "What is an SR-22 form?"
  1. CHRISTINE DOLL

    I just trying to get things right. Thank you.

      Reply»  
  2. Humberto Loredo

    This is exactly what I was looking for!! I recommend this answer to anyone who wants to know what an SR-22 is.

      Reply»  
  3. Visitor

    I am required to have an SR-22 and don't own a vehicle. What do I do to get insurance?

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  4. Visitor

    Great information. Thanks.

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  5. Visitor

    In 1999 my daughter got a DUI while driving a vehicle owned by us. She did not reside in our home and we sold the vehicle 2 years ago. Are we still required to carry SR22? I thought it went with the driver. She carries it and has since 1999. How do I find out if I am responsible for this?

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  6. Visitor

    Excellent article.

      Reply»  
  7. Visitor

    Can I print an SR-22 online?

      Reply»  
  8. Atul Bhosale

    Very useful! Thanks!

      Reply»  
  9. Anonymous

    Great, thank you for the post

      Reply»  
  10. Anonymous

    Just one question. If it is a Certificate of Insurance, why isnt it called a CR-22? What does the "S" stand for?

      Reply»  
  11. Anonymous

    What is an sr-22 i got one for 3 years and does it affect me if i go get insuarance or what? will i have high cost know? Dumb SC laws

      Reply»  
  12. Anonymous

    can i print a copy of a sr22 form

      Reply»  
  13. Anonymous

    I was sued for 15,300 ,and I was driveing someone else car that didnt have insurane an hit someone .and its been over 6yr now an I want to no do I need a sr22 .

      Reply»  
  14. Anonymous

    I do have one for you...If you get a dui and are required to have an SR22, how long are you required to have it? My understanding was that you must have it for at least a year (according to the DMV), but I want to make sure that is a fact.

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  15. Anonymous

    Is there any where I can find my sr 22 case number?

      Reply»  
  16. Anonymous

    I was randomly selected to check for proof of insurace and unfortunately in the short period I cancelled one to go to another. Now I received a letter asking me to send proof on that day or I will have FR suspension, please tell me what can I do. Can I buy an SR22. thank you so much for your website

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  17. Anonymous

    i think this is a very helpful article, it gives people who is unaware about this type of laws more clarification.

      Reply»  
  18. Anonymous

    my son received 2 underage drinking tickets he was not driving a vehicle he does have car insurance why does he need an sr-22

      Reply»  
  19. Anonymous

    an SR-22 is a document that shows proof of financial responsibility. Youll need an SR-22 if the police caught you driving without insurance, and youll be required to carry the SR-22 for a specified amount of time (usually three years). Once you properly fulfill that time period, your SR-22 status expires. SR-22s also are associated with the following: DUI or DWI or any serious moving violation At-fault accidents while driving without insurance Repeat traffic offenses or getting too many tickets in a short time period License suspension or revoked license How Long Do I Need an SR-22? Expect a long relationship with your SR-22 — most likely three years — similar to a probationary period after a criminal offense. You must carry continuous insurance during the specified period of time before SR-22 status is removed. If your policy lapses or is canceled, your auto insurance company is required to notify the state immediately and your license will be suspended again. If you are a

      Reply»  
  20. Anonymous

    good question but I was hoping for a more detailed answer.

      Reply»