An SR-22 form, also known as a certificate of financial responsibility, is a form an insurance company files with the department of motor vehicles (DMV) to verify that your car insurance policy is in-force.
It is likely that you will be required to file an SR-22 form with your state's DMV if you cause an accident while driving without insurance or commit several other types of motor vehicle infractions, including:
Typically, a court or the state department of motor vehicles will notify you that an SR-22 is required. You should then notify your current insurance company that a financial responsibility filing is needed. SR-22 insurance is usually more costly than a standard car insurance policy.
Not all auto insurance companies want to deal with the complexity of filing SR-22 forms, which is why you may end up working with a different insurance company.
Once you've found an insurer and purchased SR-22 insurance, the insurer files the SR-22 on your behalf. There's typically a one-time fee (typically costing around $25) to put the SR-22 on file with the state department of motor vehicles.
If the policy lapses, the car insurance company files what's called an SR-26, which is a form that tells the state that you no longer have car insurance.
In eight states – Pennsylvania, Oklahoma, Minnesota, Kentucky, Delaware, North Carolina, New York and New Mexico – SR-22s are not required.
If you move to Pennsylvania, Oklahoma, Minnesota, Kentucky, Delaware or New Mexico, you must continue to meet all SR-22 insurance requirements of the state where the triggering offense was committed. In these situations, your auto insurance coverage must maintain the minimum liability limits of the state you previously resided in.
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