SR22. What is an SR22? An SR-22 certificate is a document that shows a driver has the minimal quantity of liability insurance needed by their state. This form suggests financial responsibility, which is necessary for those that have had their driving privileges withdrawed or put on hold because of an accident or violation. Insurance companies file this type with the Department of Motor Vehicles (DMV) in behalf of drivers that need it. The cost of an SR-22 differs depending on the insurer and also state demands, however it's typically higher than routine insurance policies because it's considered high-risk protection. Chauffeurs need to preserve their SR-22 certificate for a specific duration, usually three years, with no lapses in protection. If they fail to do so, their insurer will inform the DMV and might cause license suspension or abrogation.
How does an SR22 work? If you are deemed a high-risk driver, your insurance provider will generally file an SR-22 on your part with the DMV.