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UPDATED: Mar 13, 2020
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What is SR22 Filing?
You go to renew your vehicle’s registration and the person at the DMV counter tells you
that you need to have your insurance company submit an SR22 filing for you. You show her your
current insurance card and she tells you that is not enough. Now you have to go to the insurance
office, maybe they can explain all this.
What is SR22 filing?
SR22 Filing is documentation that an insurance company provides to the Department of Motor
Vehicles verifying that you have proper automobile insurance coverage. The DMV requires motorists
that are classified as “high-risk” to keep an SR22 filed.
When is SR22 Filing Required?
The DMV will classify a person as “high-risk” and require an SR22 filing if the person has gone
without car insurance. If you accidentally let your insurance coverage lapse and did not turn in your
license plates you will end up needing an SR22 filed. If you have a coverage lapse while under SR22
requirements the insurance company will immediately inform the DMV and your license will be suspended.
If you get a DUI conviction, or have multiple moving violations in a short time span, you will need
an SR22 filed.
The Nitty Gritty on SR22 Filing
Not all states have SR22 filing requirements. If you are required to have one, it is usually for a
period of three years. Moving to a state that has no SR22 filings does not negate your responsibility
to the state you just left. Most insurance companies can file an out of state SR22 document for you.
Finding out you need to have an SR22 document filed is no big deal. Talk to your insurance agent and
he will be able to take care of it for you. In most cases you will not be affected in any way. The important
thing is to keep an SR22 filing in good standing until you don’ need it any more.