What Is SR22?

An SR-22 filing is a form issued by an insurance company which removes a suspension order placed by the Missouri Department of Revenue - Motor Vehicle & Drivers Licensing on your driving privilege. The filing provides a guarantee to the Missouri MVDL that an insurance company has issued liability coverage for the person making that filing and that the insurance company will notify the Missouri Secretary of State should the insurance ever lapse for any reason. You can not get an SR22 filing without buying insurance. The SR-22 filing is evidence of liability insurance.

People whose license is under suspension by the Missouri MVDL need an SR-22 filing to reinstate their license. This includes the following suspension reasons: minor violations in one year,  that exceed what the law permits, drunk driving violations, suspensions from unpaid fines, being uninsured at the time of an accident and failure to comply with other Motor Vehicle laws or regulations.

You must purchase minimum liability coverage on all vehicles you own. If you do not own a motor vehicle you may purchase a  "non-owners" policy.  Normally the SR-22 filing period is between one to three years. Each individual case will dictate the length.