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SR22. What is an SR22? An SR-22 certificate is a record that proves a driver has the minimum amount of liability insurance required by their state. This kind suggests financial responsibility, which is needed for those who have had their driving privileges withdrawed or put on hold due to an accident or infraction. Insurance companies file this kind with the Department of Motor Vehicles (DMV) in behalf of vehicle drivers that require it. The price of an SR-22 differs depending on the insurer and state requirements, yet it's commonly greater than routine insurance policies due to the fact that it's thought about risky insurance coverage. Vehicle drivers should keep their SR-22 certificate for a particular period, typically three years, with no lapses in insurance coverage. Exactly how does an SR22 function? An SR-22 is a sort of record that is called for by the Department of Motor Vehicles (DMV) for risky motorists who have committed specific traffic offenses or infractions.