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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What You Need To Know About Form SR-22

If you have received a letter from the Department of Motor Vehicles indicating you need to file a Form SR22,
this is something that is not as intimidating as it may seem on first glance. Usually, the requirement is made
when an individual is convicted of certain traffic offenses, or was in an accident and did not have anything in
terms of financial responsibility, that is, insurance.

In the states where the Form SR-22 is required, there are a few reasons that a person may have to do so. Depending
on the state, there may be more, but generally, DWI or DUI, serious moving violations, habitual traffic offenses,
multiple tickets within a small time frame, revoked license or suspension, or at fault accidents with no insurance
are the cause.

Your insurance carrier will usually file the Form SR22. Not all insurance carriers offer this, so you may have
to look for another provider. Filing the form usually only runs about $15-$25, depending on which state you are
required to file in. Once you have at least the minimum coverage you are required to have via the state’s standards,
the insurance carrier files this form for you.

At times, the insurance carrier will provide you with the form or mail it to you. Some carriers allow for down
loadable forms, but not all. Depending on the state requirement, the Form SR-22 will be pink, have your name, policy
number and information on it. You don’t have to carry it with you in your vehicle, it is kept in the drivers licensing
office and on record, proving that you are complying with the terms of your particular case. Typically, the time frame
you have to file the Form SR-22 is somewhere between 3-5 years, but this depends on the state and the nature of the
offense.

If you do not drive your own vehicle, you will still have to fulfill the requirements of the form SR-22. This will
mean obtaining what is known as an Operator’s certificate. For those who do own a vehicle, they will need the Owner’s
Certificate, and those who both own their vehicle but also drive vehicles they do not own will receive an Owner-Operator’s
certificate.

If you should move during the time frame that you’re required to file the Form SR22, you will still need to fulfill
the obligations of your previous state. Failure to do so could result in a suspension of license in your new state when
the former informs them of the lapse in coverage. Lapses in coverage or even dropping coverage during the time you’re
required to file Form SR-22 will mean at the very least, beginning your time frame over again. For quotes, rates and to
find insurers that file Form SR22, simply key in your information to get started right away!