SR-22 (insurance)
Encyclopedia
In the United States
, an SR-22 is a vehicle
liability insurance
document used by some state Department of Motor Vehicles
(DMV) offices. It provides proof that a driver has the minimum required liability insurance coverage for that particular state.
A DMV may require an SR-22 from a driver in order to reinstate his or her driving privileges following an uninsured car accident
or conviction of another traffic-related offense, such as a DUI
. An SR-22 may be required for 3 years for driving without insurance and up to 5 years for a DUI. For drivers who require SR-22 documentation, but do not own vehicles, the state laws may require such drivers to obtain and provide proof of a non-owner SR-22 policy to be eligible for reinstated driving privileges. 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.
United States
The United States of America is a federal constitutional republic comprising fifty states and a federal district...
, an SR-22 is a vehicle
Vehicle insurance
Vehicle insurance is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom...
liability insurance
Liability insurance
Liability insurance is a part of the general insurance system of risk financing to protect the purchaser from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy...
document used by some state Department of Motor Vehicles
Department of Motor Vehicles
In the United States of America, a Department of Motor Vehicles is a state-level government agency that administers vehicle registration and driver licensing. Similar departments exist in Canada...
(DMV) offices. It provides proof that a driver has the minimum required liability insurance coverage for that particular state.
A DMV may require an SR-22 from a driver in order to reinstate his or her driving privileges following an uninsured car accident
Car accident
A traffic collision, also known as a traffic accident, motor vehicle collision, motor vehicle accident, car accident, automobile accident, Road Traffic Collision or car crash, occurs when a vehicle collides with another vehicle, pedestrian, animal, road debris, or other stationary obstruction,...
or conviction of another traffic-related offense, such as a DUI
Driving under the influence
Driving under the influence is the act of driving a motor vehicle with blood levels of alcohol in excess of a legal limit...
. An SR-22 may be required for 3 years for driving without insurance and up to 5 years for a DUI. For drivers who require SR-22 documentation, but do not own vehicles, the state laws may require such drivers to obtain and provide proof of a non-owner SR-22 policy to be eligible for reinstated driving privileges. 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.
See also
- Drunk driving (United States)Drunk driving (United States)Drunk driving is the act of operating and/or driving a motor vehicle while under the influence of alcohol and/or drugs to the degree that mental and motor skills are impaired...
- Automobile safetyAutomobile safetyAutomobile safety is the study and practice of vehicle design, construction, and equipment to minimize the occurrence and consequences of automobile accidents. Automobile safety is the study and practice of vehicle design, construction, and equipment to minimize the occurrence and consequences of...
- National Traffic and Motor Vehicle Safety ActNational Traffic and Motor Vehicle Safety ActThe National Traffic and Motor Vehicle Safety Act was enacted in the United States in 1966 to empower the federal government to set and administer new safety standards for motor vehicles and road traffic safety. The Act created the National Highway Safety Bureau...