Insurance 101


What is an SR-22 form?

An SR-22 form, also known as a certificate of financial responsibility, is a form an insurance company files with the bureau of motor vehicles (BMV) to verify that your car insurance policy is in-force.

It is likely that you will be required to file an SR-22 form with the BMV if you cause an accident while driving without insurance or commit several other types of motor vehicle infractions, including:

  • Driving under the influence (DUI) conviction
  • Getting too many points on your license
  • Serious moving violations such as reckless/careless driving

Typically, a court or the state department of motor vehicles will notify you that an SR-22 is required. You should then notify your current insurance company that a financial responsibility filing is needed. The insurer then files the SR-22 form on your behalf.

If the policy lapses, the car insurance company files what's called an SR-26, which is a form that tells the state that you no longer have car insurance. This will trigger an immediate suspension of your driving privileges with the BMV.

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