SR-22 is a high-risk insurance certificate states require to reinstate a suspended driver’s license. It’s also called an AAMVA Uniform Financial Responsibility Form. Drivers who need SR-22 insurance may have driving records with one or more violations that led to a license suspension. Other non-traffic-related issues may also require an SR-22 filing, even if you have a clean driving record. Forgetting to show up to court, pay a fine, or meet your child support obligations are other reasons people need to obtain high-risk insurance.
Attaching an SR-22 form to your auto or non-owner insurance policy and filing the form with your state DMV allows you to restore your driving privileges and get back on the road.
SR-22 insurance is available in two forms. Owner-operator policies are for vehicle owners, and non-owner or operator policies are for drivers who don’t own a vehicle.
