how does an SR 22 work?

What is an SR22?

Some states require problem drivers, particularly those who've been cited for driving without insurance, to have proof of insurance on file with the Secretary of State, even if they no longer own a car. The SR22 is the form produced by the driver's insurance carrier to meet this requirement, allowing them to avoid suspension or revocation of their license.

Filing an SR22

To secure an SR22, obviously, an individual must first obtain auto insurance from a company authorized by the state to write financial responsibility policies, and it must be in an amount sufficient to meet the state's minimum insurance requirements. SR22 insurance can come in three types. An operator's certificate covers the driver in any vehicle, and is the best option for those who don't own a car themselves. The owner's certificate verifies coverage only in the driver's vehicle, and the owner-operator certificate covers all vehicles. Once the policy is paid for and in place, the driver must direct the insurance company, usually by phone, to send an SR22 directly to the Department of State. This form is usually sent by fax, but it can take up to 30 days or more for the state to process. With the SR22 on file, the state will issue a letter to the driver and a copy of the form as proof in case they're stopped.

Maintenance

Part of the SR22 arrangement is that the insurance carrier is required by law to notify the Department of State if the driver's insurance policy is canceled, suspended, or not renewed within 15 days of expiration. The process of suspending the driver's license will usually begin on receipt of such a notification. To prevent suspension, the driver must keep their insurance policy up to date. Depending on the circumstances that created the need for an SR22 filing, drivers will need to keep proof of their insurance on record for a minimum of two to three years. If, for whatever reason , the driver is unwilling or unable to obtain auto insurance, some states will allow the filing of a surety bond with the Department of State in lieu of insurance. If a driver moves out of state, they can appeal for their SR22 requirements to be waived, but will be subject to the insurance requirements of their new residence.