SR22. What is an SR22? An SR-22 certificate is a document that verifies a driver has the minimum quantity of liability insurance required by their state. This form indicates financial responsibility, which is essential for those that have actually had their driving privileges withdrawed or put on hold because of an accident or infraction. Insurance companies file this type with the Department of Motor Vehicles (DMV) on part of vehicle drivers that require it. The expense of an SR-22 varies relying on the insurer as well as state demands, however it's generally more than normal insurance policies since it's thought about high-risk protection. Vehicle drivers should maintain their SR-22 certificate for a particular period, generally 3 years, without any kind of lapses in coverage. Exactly how does an SR22 work? An SR-22 is a kind of record that is required by the Department of Motor Vehicles (DMV) for risky chauffeurs who have actually devoted particular traffic offenses or violations.