What is an SR-22?

• An SR-22 is a form that must be filed with the state motor vehicle department by your insurance company. It states that the person driving the vehicle is currently carrying liability insurance. A SR-22 is required when a person is in an accident or arrested and convicted of a traffic violation but is unable to prove financial responsibility for the costs. The driver must provide proof of liability coverage before being allowed to drive again. Requirements vary by state.
  
  

SR-22 Requirements

• Most states require a person to carry an SR-22 for three consecutive years. An SR-22 can be canceled before this three-year commitment by the insurance company due to non-payment of insurance. If this happens, most states require you to start over and carry the SR-22 for three consecutive years.
  
  

Penalties of SR-22 Cancellation

• In addition to having to start over on the SR-22 three-year period, there are other more serious penalties. The insurance company is required to notify the DMV of the non-payment and cancellation of your SR-22. The DMV will immediately suspend your license.
  
  

Getting the SR-22 Reinstated

• In order to get your license reinstated, it will be necessary to bring the insurance up to date, and ask your insurance company to refile your SR-22. In addition to this you will need to pay all fees associated with the SR-22 filing as well as any fees the DMV imposes for reinstating your license.