The definition of an SR-22 is found in our Car Insurance Learning Center. Here it states that an SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual.

SR-22 is not a type of insurance, but rather proof that you have certain types of insurance, based upon the financial responsibility laws of your state and what they are requiring you to carry.

The reasons that an SR22 can be required vary from state to state. An Sr-22 is generally required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and the associated insurance requirements.

SR-22s are associated with the following offenses in many states (though the SR22 can be required for reasons other then these):

• 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

An SR-22 can and is required in many states as part of the reinstatement process after you have had your driver’s license suspended, revoked or cancelled. This can include suspension for being a habitual offender of traffic violations or due to being behind in child support payments; it all depends on your particular state's laws.

To find out about your state's specific reasons for requiring a driver to maintain a SR-22 check with your Department of Motor Vehicles.