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 North Dakota, an SR-22 is a certificate of financial responsibility that serves as proof that an individual is maintaining the required amount of vehicle liability insurance. It is not an insurance policy itself, but rather a document that an insurance company files with the state's Department of Transportation (DOT). The SR-22 is typically required for drivers who have had their licenses suspended or revoked due to serious traffic violations such as DUI/DWI. The state mandates that these individuals provide an SR-22 form to obtain an occupational or restricted license, or to have their full driving privileges reinstated. Insurance providers that issue SR-22 certificates are obligated to notify the DOT if the SR-22 is cancelled, terminated, or lapses, which could result in further action against the driver's license.