An SR-22 is ordered by either the court or your state. If it’s court-ordered, the judge would notify you during your hearing that you are required to get it. If it’s state-ordered, typically, you would receive an official letter in the mail from the Department of Motor Vehicles that you are required to get an SR-22. This ‘Certificate of Financial Responsibility’, isn’t a type of insurance, but rather a document provided by your insurance company that highlights that you have liability coverage on your car insurance policy.
Not every driver is required to get SR-22 coverage. Although each state has its own requirements, typically, SR-22 insurance is required if you’ve been driving without valid car insurance or a valid driver’s license. Other examples of circumstances that frequently require drivers to get SR-22 compliant car insurance include the following:
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.
To reinstate a suspended or revoked license