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{{short description|Vehicle liability insurance document required by most state Departments of Motor Vehicles}}
{{short description|Vehicle liability insurance document required by most state Departments of Motor Vehicles}}
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In the [[United States]], an '''SR-22''' (sometimes referred to as a '''certificate of insurance'''{{efn|The term "certificate of insurance" has other meanings outside of vehicle insurance. Some states may use different forms in place of, or in addition to, the SR-22 to provide certificates of vehicle liability insurance or proof of financial responsibility.}} or a '''financial responsibility filing''')<ref>{{cite book|last1=Hille|first1=Robert B.|last2=Rossmiller|first2=David P.|last3=Kaveney|first3=John W.|last4=Croce|first4=Paul L.|title=New Appleman on Insurance|publisher=Matthew Bender|isbn=978-0-327-16406-7|at=§ 3.03A n. 179.16|chapter=Certificates of Insurance}}</ref><ref>{{cite book|last1=Silver|first1=Lawrence|last2=Stevens|first2=Robert E.|last3=Clow|first3=Kenneth|title=Concise Encyclopedia of Insurance Terms|date=2010|publisher=Routledge|location=New York|isbn=978-0-7890-3634-6|page=144}}</ref> is a [[vehicle insurance|vehicle]] [[liability insurance]] document required by most state [[Department of Motor Vehicles|departments of motor vehicles]] (DMV) offices{{efn|As of 2011, the only states that did not use SR-22 forms were Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania.<ref name="pasman">{{cite journal|last1=Pasman-Green|first1=Nora J.|title=Off the Roads & Out of the Courts: Enter a Technology Fix for Drunk Driving|journal=Journal of Law and Health|date=2011|volume=24|at=p. 225 n. 34|url=https://engagedscholarship.csuohio.edu/cgi/viewcontent.cgi?article=1024&context=jlh}}</ref>}} for "high-risk" insurance policies.<ref name="pasman" /> An SR-22 sucks! But is not an insurance policy, but a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filings in all territories. For instance, an insurer may offer traditional base coverage in a particular state but not issue an SR-22 in that state.<ref name="GrantGriffin">{{cite book |last1=Grant |first1=Deandra M. |last2=Tucker |first2=Kimberly Griffin |title=Texas DWI Manual |date=February 22, 2019 |publisher=LexisNexis |isbn=978-1-949517-17-0 |at=§4:123 |section=Understanding the SR-22 Insurance Form}}</ref>
In the [[United States]], an '''SR-22''' (sometimes referred to as a '''certificate of insurance'''{{efn|The term "certificate of insurance" has other meanings outside of vehicle insurance. Some states may use different forms in place of, or in addition to, the SR-22 to provide certificates of vehicle liability insurance or proof of financial responsibility.}} or a '''financial responsibility filing''')<ref>{{cite book|last1=Hille|first1=Robert B.|last2=Rossmiller|first2=David P.|last3=Kaveney|first3=John W.|last4=Croce|first4=Paul L.|title=New Appleman on Insurance|publisher=Matthew Bender|isbn=978-0-327-16406-7|at=§ 3.03A n. 179.16|chapter=Certificates of Insurance}}</ref><ref>{{cite book|last1=Silver|first1=Lawrence|last2=Stevens|first2=Robert E.|last3=Clow|first3=Kenneth|title=Concise Encyclopedia of Insurance Terms|date=2010|publisher=Routledge|location=New York|isbn=978-0-7890-3634-6|page=144}}</ref> is a [[vehicle insurance|vehicle]] [[liability insurance]] document required by most state [[Department of Motor Vehicles|departments of motor vehicles]] (DMV) offices{{efn|As of 2011, the only states that did not use SR-22 forms were Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania.<ref name="pasman">{{cite journal|last1=Pasman-Green|first1=Nora J.|title=Off the Roads & Out of the Courts: Enter a Technology Fix for Drunk Driving|journal=Journal of Law and Health|date=2011|volume=24|at=p. 225 n. 34|url=https://engagedscholarship.csuohio.edu/cgi/viewcontent.cgi?article=1024&context=jlh}}</ref>}} for "high-risk" insurance policies.<ref name="pasman" /> An SR-22 is not an insurance policy, but a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filings in all territories. For instance, an insurer may offer traditional base coverage in a particular state but not issue an SR-22 in that state.<ref name="GrantGriffin">{{cite book |last1=Grant |first1=Deandra M. |last2=Tucker |first2=Kimberly Griffin |title=Texas DWI Manual |date=February 22, 2019 |publisher=LexisNexis |isbn=978-1-949517-17-0 |at=§4:123 |section=Understanding the SR-22 Insurance Form}}</ref>


A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured [[car accident]] or conviction of another traffic-related offense, such as a [[Driving under the influence|DUI]].<ref>{{cite web|url=http://www.state.ak.us/dmv/akol/sr22.htm|title=SR-22 Insurance Information|publisher=State of Alaska Division of Motor Vehicles|accessdate=2008-07-09}}</ref><ref>{{cite web|url=http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/overview_sr22.html|title=Overview of the S & FR Laws|publisher=Illinois Secretary of State|accessdate=2008-07-08|archiveurl=https://web.archive.org/web/20081121124632/http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/overview_sr22.html|archivedate=2008-11-21}}</ref> An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.<ref name="whatis_IL">{{cite web|url=http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/whatis_sr22.html|title=What is the SR-22?|publisher=Illinois Secretary of State|accessdate=2008-07-08|archiveurl=https://web.archive.org/web/20081007101510/http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/whatis_sr22.html|archivedate=2008-10-07}}</ref> If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.<ref name="GrantGriffin" /><ref name="whatis_IL" />
A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured [[car accident]] or conviction of another traffic-related offense, such as a [[Driving under the influence|DUI]].<ref>{{cite web|url=http://www.state.ak.us/dmv/akol/sr22.htm|title=SR-22 Insurance Information|publisher=State of Alaska Division of Motor Vehicles|accessdate=2008-07-09}}</ref><ref>{{cite web|url=http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/overview_sr22.html|title=Overview of the S & FR Laws|publisher=Illinois Secretary of State|accessdate=2008-07-08|archiveurl=https://web.archive.org/web/20081121124632/http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/overview_sr22.html|archivedate=2008-11-21}}</ref> An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.<ref name="whatis_IL">{{cite web|url=http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/whatis_sr22.html|title=What is the SR-22?|publisher=Illinois Secretary of State|accessdate=2008-07-08|archiveurl=https://web.archive.org/web/20081007101510/http://www.cyberdriveillinois.com/departments/drivers/drivers_license/SR-22_uninsured_crashes/whatis_sr22.html|archivedate=2008-10-07}}</ref> If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.<ref name="GrantGriffin" /><ref name="whatis_IL" />


Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. In Arizona, for instance, a driver seeking reinstatement under some circumstances may submit an SR-22 in lieu of depositing $40,000 in cash or [[certificate of deposit|certificates of deposit]].<ref>{{cite book|last1=Nesci|first1=James|title=Arizona DUI Defense: The Law and Practice|date=2009|publisher=Lawyers & Judges Publishing Company|location=Tucson, Arizona|isbn=978-1-933264-66-0|page=61|edition=2nd}}</ref> The same applies in Washington State where you may submit an SR-22 instead of a liability bond of at least $60,000 from any surety or bonding company that is licensed to operate in Washington.<ref>{{Cite web |last=Lucas |first=Robert |title=Washington State SR22 Requirements |url=https://useoflanes.com/washington-state-sr22-requirements/ |access-date=2023-06-30 |website=Use of Lanes |language=en-US}}</ref>
Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. In Arizona, for instance, a driver seeking reinstatement under specific circumstances may submit an SR-22 in lieu of depositing $40,000 in cash or [[certificate of deposit|certificates of deposit]].<ref>{{cite book|last1=Nesci|first1=James|title=Arizona DUI Defense: The Law and Practice|date=2009|publisher=Lawyers & Judges Publishing Company|location=Tucson, Arizona|isbn=978-1-933264-66-0|page=61|edition=2nd}}</ref> The same applies in Washington State where you may submit an SR-22 instead of a liability bond of at least $60,000 from any surety or bonding company that is licensed to operate in Washington.<ref>{{Cite web |last=Lucas |first=Robert |title=Washington State SR22 Requirements |url=https://useoflanes.com/washington-state-sr22-requirements/ |access-date=2023-06-30 |website=Use of Lanes |date=30 June 2023 |language=en-US}}</ref>


== See also ==
== See also ==

Latest revision as of 14:45, 23 October 2024

In the United States, an SR-22 (sometimes referred to as a certificate of insurance[a] or a financial responsibility filing)[1][2] is a vehicle liability insurance document required by most state departments of motor vehicles (DMV) offices[b] for "high-risk" insurance policies.[3] An SR-22 is not an insurance policy, but a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filings in all territories. For instance, an insurer may offer traditional base coverage in a particular state but not issue an SR-22 in that state.[4]

A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI.[5][6] An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.[7] If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.[4][7]

Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. In Arizona, for instance, a driver seeking reinstatement under specific circumstances may submit an SR-22 in lieu of depositing $40,000 in cash or certificates of deposit.[8] The same applies in Washington State where you may submit an SR-22 instead of a liability bond of at least $60,000 from any surety or bonding company that is licensed to operate in Washington.[9]

See also

[edit]

Notes

[edit]
  1. ^ The term "certificate of insurance" has other meanings outside of vehicle insurance. Some states may use different forms in place of, or in addition to, the SR-22 to provide certificates of vehicle liability insurance or proof of financial responsibility.
  2. ^ As of 2011, the only states that did not use SR-22 forms were Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania.[3]

References

[edit]
  1. ^ Hille, Robert B.; Rossmiller, David P.; Kaveney, John W.; Croce, Paul L. "Certificates of Insurance". New Appleman on Insurance. Matthew Bender. § 3.03A n. 179.16. ISBN 978-0-327-16406-7.
  2. ^ Silver, Lawrence; Stevens, Robert E.; Clow, Kenneth (2010). Concise Encyclopedia of Insurance Terms. New York: Routledge. p. 144. ISBN 978-0-7890-3634-6.
  3. ^ a b Pasman-Green, Nora J. (2011). "Off the Roads & Out of the Courts: Enter a Technology Fix for Drunk Driving". Journal of Law and Health. 24. p. 225 n. 34.
  4. ^ a b Grant, Deandra M.; Tucker, Kimberly Griffin (February 22, 2019). "Understanding the SR-22 Insurance Form". Texas DWI Manual. LexisNexis. §4:123. ISBN 978-1-949517-17-0.
  5. ^ "SR-22 Insurance Information". State of Alaska Division of Motor Vehicles. Retrieved 2008-07-09.
  6. ^ "Overview of the S & FR Laws". Illinois Secretary of State. Archived from the original on 2008-11-21. Retrieved 2008-07-08.
  7. ^ a b "What is the SR-22?". Illinois Secretary of State. Archived from the original on 2008-10-07. Retrieved 2008-07-08.
  8. ^ Nesci, James (2009). Arizona DUI Defense: The Law and Practice (2nd ed.). Tucson, Arizona: Lawyers & Judges Publishing Company. p. 61. ISBN 978-1-933264-66-0.
  9. ^ Lucas, Robert (30 June 2023). "Washington State SR22 Requirements". Use of Lanes. Retrieved 2023-06-30.
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