An SR-22 is a financial responsibility certificate required by the Department of Motor Vehicles in some states if you’re caught breaking the law in certain situations while driving. In other words, the document certifies that you have the minimum auto liability insurance required by your state.
An SR-22 is not required for all drivers. However, if you make any of the following offenses, your state might require you to file an SR-22:
- Driving under the influence (DUI) and driving while impaired (DWI)
- Driving without insurance
- Causing an accident while driving without insurance
- Driving with a suspended license
Generally, you’ll need an SR-22 any time your driver’s license is suspended or revoked as a result of a driving-related conviction.
An SR-22 allows you to maintain your driving privileges once you are allowed to drive again. The document lists your personal and auto insurance information and certification from your insurance company that you have the proper amount of insurance required by your state.
The amount of time you must keep your SR-22 active depends on the state you live in. Generally, an SR-22 is required for 3 years for driving without insurance or with a suspended license and up to five years for a DUI.
Many insurance companies will file an SR-22 on your behalf and deactivate it once you’ve fulfilled the time requirements. However, if you’d like to file an SR-22 yourself, it’s as simple as filling out the required form and sending it to the appropriate agency within a certain amount of time. Some states might require you to pay a fee.
If you think you need to file an SR-22, talk to your insurance company or visit www.proggresive.com to learn more.