An SR-22 is a certificate of financial responsibility developed by the insurance industry and state departments of motor vehicles (DMVs). This form tells the DMVs that an individual has automobile insurance in force.
In some states like Florida and Virginia, the certificate of financial responsibility form is referred to as an FR-44.
The form is used when someone must prove they have insurance to obtain, keep or reinstate their license, usually for one of these reasons:
- Major convictions like DUI or reckless driving
- Conviction for not having insurance
- Failure to pay damages for an at-fault accident
- Underage drinking conviction
Who must file an SR-22?
State DMVs mandate who must file an SR-22. Every driver is required to have some minimum amount of insurance in most states. This requirement is the basis of "compulsory auto insurance law" which states that drivers must be financially responsible by purchasing liability insurance. Usually, the state DMV accepts the automobile owner's word for having the required insurance. If the owner or licensee fails to maintain insurance or get a major ticket, DMV mandates showing proof of insurance.
How do I file?
Insurance companies file these forms for their customers, but not all do. So, if you need to obtain new insurance in order to comply with financial responsibility filings, fewer companies will offer insurance. Simply ask your agent to file the SR-22 or call the customer service number at your insurance company. They will take care of it for you.
Is there a cost to filing an SR-22?
The SR-22 certificate is filed directly with the state by your insurance company. Infinity charges a fee to file this form - the fees differ by state. The best way to find the cost associated with an SR-22 filing is to obtain a quote from Infinity and ask for an SR-22.
How long does the SR-22 remain in force?
If your insurance policy remains in effect, not cancelled for non-payment or any other reason, the SR-22 filing remains in force until it is no longer required by the DMV.
The insurance company is required to tell the state if the insurance policy is cancelled. Failure to maintain the SR-22 filing may result in the loss of your license.