A Financial Responsibility Insurance Certificate (SR-22) is proof or verification the holder is maintaining vehicle liability insurance in the required amounts. It is not a type of insurance—it is a form filed with the state’s department of public safety (DPS), department of transportation (DOT), or department of motor vehicles (DMV) and may also be referred to as an SR-22 Bond or SR-22 Form.

An SR-22 can be issued by most insurance providers, who will notify the state’s department of public safety or department of motor vehicles when an SR-22 is cancelled, terminated, or lapses.

The state will often require a driver whose license has been suspended following an arrest for DUI/DWI to provide an SR-22 in order to get their occupational or restricted license or to have their driver’s license reinstated.

In Florida, an SR-22 is a certificate of financial responsibility required by the state to verify that an individual is maintaining the minimum vehicle liability insurance required by law. This certificate is not an insurance policy but a form that is filed with Florida's Department of Highway Safety and Motor Vehicles (DHSMV). Insurance providers that are authorized to write liability policies in Florida can issue an SR-22. The insurance company is also responsible for notifying the DHSMV if the SR-22 is cancelled, terminated, or lapses. Florida typically requires drivers to obtain an SR-22 as a condition for reinstatement of their driving privileges following a suspension due to offenses such as DUI/DWI. The SR-22 is often required for a specified period, and the driver must maintain continuous insurance coverage during that time.