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The Curious Bag
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If you have been convicted of certain moving violations, such as driving without insurance, driving under the influence or reckless driving, a court may require you to obtain an SR-22 proof of insurance certificate. You may also need an SR-22 if you have an unsatisfied judgment against you, possibly stemming from injuries or property damage you caused in an accident.
Proof of Insurance
An SR-22 shows your state's motor vehicle department that you have purchased at least the minimum insurance coverage required by your state's laws. Usually, these include bodily injury liability and property damage liability. It may also show you have purchased required no-fault coverage.
Function
As long as the SR-22 is not cancelled, it will serve as certification that you have kept your insurance policy in force.
Length of SR22
Most states require an SR-22 for three years after conviction of an applicable violation, accident or judgment. Some states may require an SR-22 for five years for certain violations.
How to File
Let your insurance company or agent know you need an SR-22 when you purchase a policy. The company will file the SR-22 with the motor vehicle department on your behalf.
Coverage Lapses
If you let your auto insurance lapse, the company is required to send the state a notice that your SR-22 has been cancelled. You may incur fines, and your license and registration may be suspended.
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