SR22 is a document often required by a state’s Department of Motor Vehicles (DMV) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.
SR22s are typically needed for a driver to reinstate their driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide non-owner SR22 policy. Once an SR22 expires or is cancelled, the insurance company will issue an SR-26 certifying the cancelation of the policy.
Six states – Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania – do not require SR22 insurance. If a driver is required to carry SR22 and he or she moves to one of these six states, they must still continue to meet the requirements legally mandated by their former state.
All vehicles in Hawaii must carry a minimum liability insurance policy. If a Hawaii driver has his or her license suspended, the driver must provide proof of financial responsibility by filing an SR22. This SR22 will certify the driver has the minimum amount of liability insurance for a certain period of time.