To begin to clearly understand what SR 22 insurance really is, you need to understand that SR 22 is a certificate mandated by the state you live in.

The state you live in requires a SR 22 to verify that an you are maintaining car insurance liability coverage.

If you are required to provide documentation of SR 22 insurance, chances are there are questions about financial responsibilities on your part.

Generally, SR 22 is just proof that you have the required minimum car insurance that is needed to satisfy the states requirements.

While each state is different, a lot of states require that you have an SR 22 if you have had an accident without proof of car insurance. Many states are going to mandatory car insurance for all drivers due to the problems encountered in an accident as to liability with uninsured motorists.

While having a crash as an uninsured motorist isn't the only reason for an SR 22 to be required, it is usually the primary reason.

Each state is different as to what would trigger an SR 22 to be filed with the state division of motor vehicles.

Some other causes of SR 22 requirements would be DUI/DWI convictions, drivers license suspensions or revocations, or prior financial problems dealing with car insurance.

While each state has their own specific requirements for how SR 22 proof of insurance is handled, for the most part they are the same.

Most of the time the state Division of Motor Vehicles (DMV) will notify you that you need to submit proof of insurance (SR 22) to them. The DMV is the issuing authority for drivers licenses and vehicle registrations. They also monitor statistics for uninsured motorists.

Once a requirement has been set upon you to provide SR 22 insurance proof, you can obtain your car insurance through any car insurance company or broker. Let the company or broker know that you need an SR 22 letter, and one of two things will happen.

Either the company will notify the DMV that you have met SR 22 requirements for the state, or you will need to provide the DMV directly with proof of the SR 22 insurance.

While there are numerous requirements and restrictions for SR 22 insurance, if you are in doubt, you need to check with your individual states DMV and a car insurance company or broker in your state. They will provide you with documentation that is specific to your states laws and requirements for SR 22 insurance.