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 Kentucky, an SR-22 is a certificate of financial responsibility that proves a driver carries the minimum required auto insurance coverage. This form is not insurance itself but a document provided by an insurance company to the state's transportation authority, confirming the driver's insurance policy meets the state's minimum liability coverage requirements. Kentucky may require drivers who have had their licenses suspended due to driving under the influence (DUI) or other serious traffic violations to file an SR-22. The insurance provider is obligated to inform the Kentucky Transportation Cabinet's Division of Driver Licensing if the SR-22 is canceled, terminated, or lapses. Failure to maintain an SR-22 when required can result in further suspension of driving privileges. To reinstate a driver's license or to obtain an occupational or hardship license, the driver may be required to file an SR-22 form.