In the United States, an SR-22 (sometimes referred to as a certificate of insurance or a financial responsibility filing)[a][1][2] is a vehicle liability insurance endorsement required by most state Department of Motor Vehicles (DMV) offices[b] for "high-risk" drivers.[3]
A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI.[4][5] An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.[6] If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.[6]
Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. In Arizona, for instance, a driver seeking reinstatement under some circumstances may submit an SR-22 in lieu of depositing $40,000 in cash or certificates of deposit.[7]
SR-22 is not an actual insurance policy as commonly misconceived. SR-22 is a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filing.
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