In TN, the SR-22 form is proof of future financial responsibility as required under Tennessee Code Annotated 55-12-114.An insurance company needs the information as to "why" the SR-22 policy is needed so they can notify the state of your compliance. The following information lists what is usually required of an insurance carrier in Tennessee when filing a SR-22 for an individual:

1. A single copy of the certificate is required. This typically has all the information an insured gives to the company.
2. Authorized preparer signatures are required. (Facsimile signatures are acceptable).
3. A filing may be made for an insured other than a named insured (on behalf of).
4. There is no provision for fleet filings.
5. The SR26 cancellation form must be filed not less than 20 days prior to the termination of coverage. Certificates remain on file until terminated by an SR26.
6. Insurers must enter their NAIC number on the SR22/26 certificates.
7. Filings are to be mailed to: Tennessee Department of Safety

Tennessee Insurance companies are aware of TCA 55-12-114 and the reasons listed there by the state of why an SR-22 may be needed by an individual. Thus insurance companies do not ask why to determine if you are a high risk driver or not.

Insurance providers will determine if you are a high risk driver by your driving record and other factors. For instance if you are required to carry a SR-22 due to a DUI, the insurance company will find out about the DUI offense from your motor vehicle record anyway so answering "why" you need the SR-22 is not giving them information they could not find out on their own.