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 Utah, 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 provided by an insurance company to the Utah Department of Public Safety (DPS) or the Motor Vehicle Division (MVD) to prove that the driver has the necessary insurance coverage. Insurance providers are obligated to inform the DPS or MVD if an SR-22 is cancelled, terminated, or lapses. Utah may require drivers who have had their licenses suspended due to DUI/DWI offenses or other serious traffic violations to file an SR-22 form as a condition for obtaining a restricted license or for reinstatement of their full driving privileges. The requirement for an SR-22 typically lasts for a period of three years from the date of license reinstatement, but this can vary depending on the severity of the offense and the individual's driving record.