Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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Just what is the SR-22 Filing Definition?

Car insurance companies will give an SR-22 filing definition as a document that an
insurance company fills out and files with the DMV providing proof that an individual
is currently possessing adequate automobile insurance coverage.

The Meaning Behind SR-22 Filing Definition

The SR-22 filing definition means that an insurance company is keeping the DMV informed
of your insurance. If you fail to keep proper insurance they will tell the DMV, and your
license will be suspended.

What the SR-22 Filing Definition Does Not Mention

The SR-22 filing definition tells us what it is, but it does not tell us what will
cause us to have this extra insurance documentation. The DMV requires SR-22 documents
for any motorist they consider to be high risk. Every state requires all motorists to
have some type of financial responsibility in case there are damages to property or
injury to people due to an accident with an automobile. When you fail to have adequate
insurance, or monies, to be able to pay for the damages they will make you keep on file
an SR-22 document. Motorists that have received enough moving violations to have their
license suspended will also need an SR-22 filed. If a motorist is found guilty of DUI they,
too, will have to have SR-22 documentation.

The SR-22 filing definition does not tell us that once a motorist is required to have
an SR-22 on file they will need to keep it current for three years. It is important to
remember that an SR-22 is a state form, if you move out of state you may not have to have
an SR-22 in the new state, but will need to meet the three years in the previous state.

If you find out you need to have an SR-22 on file with the DMV, simply contact your
insurance agent and let him know, he will take care of it for you. The SR-22 filing definition
is not complicated because having an SR-22 filed is not complicated.