An SR-22 is a certificate mandated by a court or local DMV for certain vehicle-related infractions before your driving privileges are reinstated following an arrest and conviction for a DUI, reckless driving, driving without insurance, or other related offenses.
Your insurance company files an SR-22 to notify the DMV that you have the proper coverage. Keep in mind you may have to pay a filing fee. If you currently do not have auto insurance, you would request an SR-22 as part of your application.
Auto insurance companies typically charge more to cover drivers who need this document because of their risky driving record. Depending on the state, you may be required to have an SR-22 on file for 3 years, provided you do not incur new violations during this time. In the event of an expiration or cancellation, your insurance company must issue an SR-26 form.
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