SR-22 (insurance)

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In the United States, an SR-22 (sometimes referred to as a certificate of insurance [lower-alpha 1] or a financial responsibility filing) [1] [2] is a vehicle liability insurance document required by most state departments of motor vehicles (DMV) offices [lower-alpha 2] for "high-risk" insurance policies. [3] An SR-22 is not an insurance policy, but a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filings in all territories. For instance, an insurer may offer traditional base coverage in a particular state but not issue an SR-22 in that state. [4]

Contents

A DMV may require an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI. [5] [6] An SR-22 may be required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI. [7] If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy. [4] [7]

Some states accept an SR-22 as an alternative to a deposit in cash or security as proof of financial responsibility. In Arizona, for instance, a driver seeking reinstatement under specific circumstances [8] may submit an SR-22 in lieu of depositing $40,000 in cash or certificates of deposit. [9] The same applies in Washington State where you may submit an SR-22 instead of a liability bond of at least $60,000 from any surety or bonding company that is licensed to operate in Washington. [10]

See also

Notes

  1. The term "certificate of insurance" has other meanings outside of vehicle insurance. Some states may use different forms in place of, or in addition to, the SR-22 to provide certificates of vehicle liability insurance or proof of financial responsibility.
  2. As of 2011, the only states that did not use SR-22 forms were Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania. [3]

Related Research Articles

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In criminal and civil law, strict liability is a standard of liability under which a person is legally responsible for the consequences flowing from an activity even in the absence of fault or criminal intent on the part of the defendant.

<span class="mw-page-title-main">Driving under the influence</span> Driving a motor vehicle while under the influence of an impairing substance

Driving under the influence (DUI) is the offense of driving, operating, or being in control of a vehicle while impaired by alcohol or drugs, to a level that renders the driver incapable of operating a motor vehicle safely. Multiple other terms are used for the offense in various jurisdictions.

<span class="mw-page-title-main">Department of motor vehicles</span> Government agency

A department of motor vehicles (DMV) is a government agency that administers motor vehicle registration and driver licensing. In countries with federal states such as in North America, these agencies are generally administered by subnational entities governments, while in unitary states such as many of those in Europe, DMVs are organized nationally by the central government.

<span class="mw-page-title-main">Vehicle insurance</span> Insurance for road vehicles

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<span class="mw-page-title-main">Mothers Against Drunk Driving</span> Nonprofit organization

Mothers Against Drunk Driving (MADD) is a non-profit organization in the United States, Canada and Brazil that seeks to stop driving with any amount of alcohol in the bloodstream, support those affected by drunk driving, prevent underage drinking, and strive for stricter impaired driving policy, whether that impairment is caused by alcohol or any other drug. The Irving, Texas-based organization was founded on September 5, 1980, in California by Candace Lightner after her 13-year-old daughter, Cari, was killed by a drunk driver. There is at least one MADD office in every state of the United States and at least one in each province of Canada. These offices offer victim services and many resources involving alcohol safety. MADD has claimed that drunk driving has been reduced by half since its founding.

<span class="mw-page-title-main">Ignition interlock device</span> Breathalyzer for an individuals vehicle

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<span class="mw-page-title-main">Motor vehicle registration</span>

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<span class="mw-page-title-main">Driver's licenses in the United States</span>

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<span class="mw-page-title-main">Vermont Department of Motor Vehicles</span> U.S. state government agency

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<span class="mw-page-title-main">Drunk driving</span> Operating a motor vehicle under the influence of alcohol

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References

  1. Hille, Robert B.; Rossmiller, David P.; Kaveney, John W.; Croce, Paul L. "Certificates of Insurance". New Appleman on Insurance. Matthew Bender. § 3.03A n. 179.16. ISBN   978-0-327-16406-7.
  2. Silver, Lawrence; Stevens, Robert E.; Clow, Kenneth (2010). Concise Encyclopedia of Insurance Terms. New York: Routledge. p. 144. ISBN   978-0-7890-3634-6.
  3. 1 2 Pasman-Green, Nora J. (2011). "Off the Roads & Out of the Courts: Enter a Technology Fix for Drunk Driving". Journal of Law and Health. 24. p. 225 n. 34.
  4. 1 2 Grant, Deandra M.; Tucker, Kimberly Griffin (February 22, 2019). "Understanding the SR-22 Insurance Form". Texas DWI Manual. LexisNexis. §4:123. ISBN   978-1-949517-17-0.
  5. "SR-22 Insurance Information". State of Alaska Division of Motor Vehicles. Retrieved 2008-07-09.
  6. "Overview of the S & FR Laws". Illinois Secretary of State. Archived from the original on 2008-11-21. Retrieved 2008-07-08.
  7. 1 2 "What is the SR-22?". Illinois Secretary of State. Archived from the original on 2008-10-07. Retrieved 2008-07-08.
  8. "Understanding SR22: Financial Responsibility after a DUI in Arizona" . Retrieved 2023-11-07.
  9. Nesci, James (2009). Arizona DUI Defense: The Law and Practice (2nd ed.). Tucson, Arizona: Lawyers & Judges Publishing Company. p. 61. ISBN   978-1-933264-66-0.
  10. Lucas, Robert (30 June 2023). "Washington State SR22 Requirements". Use of Lanes. Retrieved 2023-06-30.