- An SR-22 form is a certificate that must be filed by an insurance company to verify that a high-risk driver has enough liability insurance coverage to meet state requirements. It is a mechanism to prevent high-risk drivers from driving without insurance.
- The SR-22 form varies slightly by state, but generally, it provides the insurance company with the driver's name, address, date of birth, Social Security number and court case number. Additionally, it provides documentation of the type of coverage the driver is carrying. There are two different types of coverage. The first is operator coverage, meaning the driver is covered in any vehicle he does not own. The second is owner coverage, which covers the driver in his own vehicle. The form must include the make, model and vehicle identification number for the driver's owned car. Typically, the insurer completes the form and an authorized representative of the insurance company that is providing the SR-22 policy to the driver must sign it.
- People who have been convicted of a driving offense such as driving under the influence, a hit-and-run accident, involvement in an accident while uninsured, or getting too many moving violations in too short a time period may be required by the court or their state's Department of Motor Vehicles to carry SR-22 insurance.
- Drivers who are required to carry SR-22 insurance usually need to keep it for at least 3 years. In the case of habitual offenders, such as persons with multiple drunk-driving convictions, the court may require them to carry SR-22 insurance for up to 5 years.
- If a driver cancels his SR-22 insurance, their insurance company is required by law to contact their state's DMV and notify it that the driver no longer has insurance. The DMV responds by immediately suspending the driver's license.
SR-22 Form Defined
Required Information
Who Needs an SR-22
Carrying Time Period
Canceling SR-22 Insurance
Source...