Compulsory insurance is one of those areas within motor vehicle law that tends to be confusing. We all need something, even if it’s just cheap car insurance covering only liability, but throw in the question of the SR 22 filing it can be downright baffling. Laws about SR 22 documents, when they need to be filed, and who is required to file them, are different from one state to the next. If you have questions about the SR 22 your best bet is to contact your state department motor vehicles or a lawyer experienced in traffic law.
As a general rule, the SR 22 is a legal instrument demonstrating to your state that you have some way of meeting your financial responsibilities in the event you cause an accident. Most states call this proof of financial responsibility. The SR 22 is filed by a car insurance company in some states, the individual driver in other states, or either one in still others. Some of the reasons you might be required to file an SR 22 include:
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