SR22 Insurance – What is it?

SR22 Explained

An SR22 is a certificate or document required, as proof of financial responsibility by the court or under state law, for persons convicted of specific traffic violations. The SR22 is not insurance, it is a certification that an auto insurance policy is in effect for a certain individual. This is the legal proof that courts need to show someone is complying with state financial responsibility laws. Insurers are allowed to charge a reasonable processing fee for filing SR22s. Insurers are not required to provide SR22s or may elect to offer them in one state and not another.

The Definition of an SR-22 is a form which must be filed by the insurance company stating that auto liability insurance (or bonding in Ohio) is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.”

Long story short, someone got caught driving without insurance or the courts suspect they are or will be based on poor behavior (DUIs, reckless driving) .

SR22s are state specific and the requirements in one state may not apply in another state. At the time this was written, the following states do NOT require SR-22. Please check with your local state laws to ensure the accuracy of the most current laws:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

Handcuff Picture

However, if you were issued an SR22 while you were in another state, then you are required to continue the SR22 guidelines (in the state where you received the SR22). If you currently carry an SR22 in one state but move to another state, you must fulfill the SR22 filing period for your former state, even though you no longer reside there. Also, your insurance policy for your new state must have liability limits which meet the minimums required by law in your former (SR22) state. You can only get an SR-2 form from an insurance company that is filed with the state to issue SR22s.

Example A:

Let’s say that you got an SR-22 while you were in Florida, but then you move to Delaware.  In this case, you will need to follow the SR-22 requirements in Florida, until you have completed the full amount of time required by Florida.  You will still get insurance for Delaware, but you will need to continue filing in Florida.

Example B:

Let’s turn the tables now.  Let’s say that while you were living in Delaware, you were issued an SR22.  Then you decide to move to Florida.  Florida will not require you to have an SR22.

You might want to be aware that some states charge to file SR-22′s.

SR22a Forms: Similar to an SR22; there are used in Georgia, Texas and Missouri. In Georgia & Texas these are certifications used for repeat violators of financial responsibility laws. SR22a in GA & TX must be paid in guaranteed funds and policies must be paid in full for a 6 month term. In Missouri, SR22a are used for policies where drivers on a policy are restricted to only driving certain cars.

SR22 Bonding: Very common in Ohio and other states that allow bonding in lieu of insurance. Drivers are told by the courts to secure a SR22 bond, go to an agency, ask for a SR22 bond and that’s what they get, a bond. It’s important to note the difference between a insurance policy and a bond; when an at-fault accident occurs, the insurance policy will absorb the cost, the bond will pay the cost and then request repayment from the bond holder. Sort of like a line of credit for the driver that must be repaid. This comes as quite a shock to most drivers who think they’re insured.

SR26 Forms: A filing done by insurance companies to cancel a SR22 or SR22a. Most states require notice in advance (usually 10 days) when a SR22 is being canceled. To avoid mix ups in SR22/SR26 filings, it a GOOD idea to get your insurance bills paid ON TIME.