General information
A financial responsibility filing, or an SR-22 or FR-44, is a certification that confirms your liability coverage. An insurance company sends this document to the state to confirm that your liability coverage is in force and will remain in force until its expiration or relief date.
- To let the state know that you meet their liability coverage requirements.
- To reinstate driving privileges.
- To obtain a new driver's license. You may need to file if you’re moving from one state to another, if you have had a serious accident or conviction record in the previous state, or, in some states, if you’re a minor operator under the age of 18.
Your state, a court system or a judge will let you know if you need a Statement of Financial Responsibility. If you're not sure, contact your state's driver's license authority.
To obtain a Statement of Financial Responsibility, you must have an auto insurance policy in effect. In addition, the driver requiring the statement must be listed on the policy.
- If you don't currently have an auto policy, you can get a quote.
- If you have an auto policy, you can add a driver and then request a separate statement for that driver.
- You must meet the minimum bodily injury and property damage liability limits for the filing state.
You'll need the following information for the person filing:
- Date of birth
- Social Security number
- Driver's license number and state
- License suspension date
- Expiration date or relief date when the filing is no longer required
- Reason for the filing and any applicable conviction information
A financial responsibility filing usually comes with a surcharge. This can increase your premium. The surcharge amount and coverage types it impacts can vary by location.
The filing period can vary, but it’s typically 3 to 5 years. Check with your state for details.