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 Montana, an SR-22 is a certificate of financial responsibility that proves a driver carries the minimum required auto insurance coverage. This form is not an insurance policy but a verification filed with the state's Motor Vehicle Division (MVD), which is part of the Department of Justice. Insurance providers that are authorized to do business in Montana can issue an SR-22 and are required to notify the MVD if the SR-22 is cancelled, terminated, or lapses. Montana may require drivers who have had their licenses suspended or revoked due to driving under the influence (DUI) or other serious traffic violations to file an SR-22 as a condition for obtaining a restricted or reinstated driver's license. The SR-22 must be maintained for a specified period, typically three years, and the driver must carry continuous insurance coverage during this time to avoid further suspensions.