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 Georgia, an SR-22 is a certificate of financial responsibility required for certain drivers to prove that they carry the minimum amount of vehicle liability insurance required by state law. This certificate is not an insurance policy but a form that is filed with the Georgia Department of Driver Services (DDS). It is typically required for drivers who have had their licenses suspended or revoked due to serious traffic offenses such as DUI/DWI, driving without insurance, or other major infractions. Insurance providers that offer SR-22 certificates are obligated to notify the DDS if the policy is cancelled, terminated, or lapses. Drivers may be required to maintain an SR-22 for a set period, commonly three years, to have their driving privileges reinstated or to obtain a limited driving permit during the suspension period.