Reader’s Question:

I just want to know what is an sr22? Why does it have to be carried?

Joe

Thank you for asking Joe.

SR-22 or financial responsibility certificate is proof that you have certain types of insurance, based upon the financial responsibility laws of your state and what they are mandating you to carry.

The reasons that an SR22 can be required differently from state to state. Generally, an Sr-22 is required when insurance policy is provided to a person who was involved accident or was convicted of a moving violation and was unable to show financial responsibility. Each state has different variations of this form and the insurance requirements.

The following SR-22s are associated with the following offenses in many states

* DUI or DWI or any serious moving violation
* At-fault accidents while driving without insurance
* Repeat traffic offenses or getting too many tickets in a short time period
* License suspension or revoked license

An SR-22 or financial responsibility certificate can and is mandated in many states as part of the reinstatement process after you have had your driver’s license suspended, revoked, cancelled or lapsed. This can include suspension for being a habitual offender of moving violations or because of being behind in child support payments; it all depends on your specific state’s laws.

Goodluck!

MariCAR