What Is SR-22 Insurance?

Answer:

An SR-22 filing is a car insurance form, required by many state Departments of Motor Vehicles (DMV) in certain situations, that provides proof of state-mandated liability insurance.

Often, a DMV will require an SR-22 form to be filed when a driver is caught without insurance after an accident, or for a serious traffic offense such as a DUI. The driver usually must have an insurance company licensed in their state file an SR-22 on their behalf before they can reinstate their license or register their car. The insurance company must notify the DMV if the policy lapses or is terminated for any reason. If it is, the license of a driver will usually be suspended until they can provide proof of insurance that complies with the SR-22 requirements. In most states, the driver must maintain an SR-22 for a certain period (usually three years) from the end of license suspension or revocation.

In addition, many states require you to fulfill the requirements of the SR-22 even if you move to a different state. The minimum liability limits of the state requiring the SR-22 may also be kept in force for your new insurance in this situation.

Not all insurance companies offer to file SR-22 forms, although many do.