What is an SR-22?
An SR-22 is a form that proves you have secured appropriate personal auto liability insurance, which may be required by your state Department of Motor Vehicles. These are also known as filings, bonds, forms, certificates of insurance, certificates of financial responsibility (CFR), or simply referred to as SR-22s.
What else should you know about SR-22s?
Liability insurance is the part of an auto insurance policy that provides coverage for property damage or bodily injury that you are responsible for. Most drivers won’t need to have SR-22 filings, but those who are considered high-risk might need to take this extra step. Each state has its own requirements and filings may be required in multiple states under certain circumstances.
Factors that lead to a high-risk classification.
Most drivers with clean records and no traffic violations will not be considered high-risk or subject to SR-22 requirements. There are multiple reasons a person may find themselves in this situation. These include: