What Is SR22 Insurance And State Certificates?

By: Bill Waters
11/17/2011 04:09 AM ET

What Is SR22 Insurance Coverage? SR22 auto insurance is the required coverage in some states that provides proof that a driver has the minimum required liability. This is not to be confused with other policies, such as Gap insurance.

It is a certificate policy filed by the home office of a provider or by your agent directly to your state. The certificate is issued in one of the following forms:

1. Operator’s Certificate – This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator’s Certificate.

2. Owner’s Certificate – This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for “All owned vehicles.”

3. Operators-Owners Certificate – This certificate covers all vehicles owned or non-owned by the driver.

A state may require SR22 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.

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 policy to be eligible for reinstated driving privileges.

If it should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.