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An SR-22 is an endorsement (certificate) of insurance that is issued by an insurer to the Department of Motor Vehicles (DMV) or to the Secretary of State. An SR-22 is generally required after a driver has been cited for driving without proper insurance. It can also be required for traffic-related offenses such as DUIs and those that involve negligence or severe endangerment of other drivers or pedestrians. Your license may be suspended for failure to submit an SR-22 within 30 days after the state's request for proof that you comply with the state's financial-responsibility (insurance) requirements.
The following states do not require SR-22s:
- Delaware
- Kentucky
- Minnesota
- New Mexico
- New York
- North Carolina
- Oklahoma
- Pennsylvania
An SR-22 certificate is issued in one of the following forms:
- The Operator's Certificate is issued if the driver does not own the vehicle(s).
- The Owner's Certificate is issued if the driver owns the vehicle(s). The type(s) of vehicle must be listed on the SR-22, or the certificate may be issued for "all owned vehicles".
- The Operator’s/Owner’s Certificate is issued for all vehicles, whether or not owned by the driver.
If your SR-22-endorsed auto-insurance policy has expired or has been canceled, your insurer is required to file an SR-26, which states that you no longer comply with the state's insurance laws.
The state can then suspend your license, which can be reinstated after your insurer issues another SR-22.
