What are reasons for SR-22 insurance? States require drivers to carry SR-22 insurance when they want to reinstate their license after a suspension. People often get a license suspension if they accumulate excessive demerit points on their driving record within a specific time. Likewise, states will require drivers to carry SR-22 insurance if they drive without insurance or a valid license. Most states also require you to maintain an SR-22 filing if you have a license suspension for DUI or DWI. Florida and Virginia, however, use a separate insurance filing called FR-44 for alcohol and drug-related motor vehicle violations.
Other times people need SR-22 insurance are to comply with a court order or other legal judgment not related to motor vehicle violations.
