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 Nebraska, 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 coverage required by law. It is not an insurance policy itself, but rather a document that an insurance company files with the Nebraska Department of Motor Vehicles (DMV) on behalf of the policyholder. This filing is typically required for individuals who have had their driver's license suspended or revoked due to certain traffic violations, such as a DUI/DWI. The SR-22 ensures that these individuals meet the state's car insurance requirements before their driving privileges are reinstated. Insurance providers are obligated to inform the Nebraska DMV if the SR-22 is cancelled, terminated, or lapses, which could result in further suspension of driving privileges. Drivers may be required to maintain an SR-22 for a set period, often three years, depending on the severity of the offense and state regulations.