Laws. Simply means that a high-risk driver's insurance company has filed an sr-22 certificate, which is a state-issued form verifying that someone has the minimum amount of car insurance required by law. While it may sound strange to carry a car insurance policy when you don't own a vehicle, a non-owner auto insurance policy covers vehicles you might drive temporarily, such as when borrowing a car from a friend. The state of washington requires sr-22s for people who have been convicted of or forfeited bail for certain offenses, failed to pay judgments, or have driven or owned a vehicle involved in an accident. If you should let your insurance lapse, the insurance company would promptly notify the state with an sr-26 form that rescinds their sr-22 form. If, following your california dui arrest, you are certain that you are going to plead guilty, you may want to jump-start the sr22 process by asking your insurance company to file your sr22 immediately following your arrest.