Keeping Your License: How to File an SR-22 and Maintain Insurance Coverage

To keep your license with an SR-22 reporting requirement, you need to file an SR-22, maintain insurance coverage, and follow the necessary steps. An SR-22 is a certificate of financial responsibility that verifies you have car insurance. If you have been arrested for driving under the influence, you will need to ask your insurer to file the SR-22 for you. Your state requires proof from the insurer that you carry sufficient insurance coverage. To file the SR-22, contact your insurer and ask them to issue the certificate. Identify if you need an SR-22 based on your conviction or record, and check if you need an FR-44 instead, which requires higher insurance coverage. Ask your insurer to file the SR-22 certificate, as you cannot do it yourself. Pay a fee for the filing and discuss how much your premiums will increase. Even if you don't own a car, you may still need to file the SR-22 certificate. Maintain your insurance coverage and carry the SR-22 for the stipulated period, which varies by state. If you need to shop for new insurance, determine the minimum requirements in your state and make sure to meet them.