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What Is an SR-22 Filing? How It Works
An SR-22 is a certificate your insurer files with the state, not a separate policy. Who usually needs one, how long it lasts, and why a lapse matters.
This short video is a summary of our explainer What Is an SR-22 Filing? How It Works, Who Needs One, and How Long It Lasts, which covers the details, the steps to take, and how auto insurance typically handles it.
Transcript
An SR-22 is not a separate insurance policy. It is a certificate your insurer files with the state to prove you carry the required liability coverage. States usually order one after a DUI, driving uninsured, or a license suspension, often for two to three years. If the coverage lapses, your insurer must tell the state, which can put your license at risk again. Ask your insurer to file it and keep the policy in force. Rules vary by state.
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