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 Vermont, 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 Motor Vehicles (DMV). This filing is typically required for drivers who have had their licenses suspended or revoked due to serious traffic violations, such as DUI/DWI offenses. The SR-22 ensures that these individuals meet the state's minimum liability insurance requirements before their driving privileges can be restored or before they can obtain an occupational or restricted license. Insurance providers are obligated to inform the Vermont DMV if there is any cancellation, termination, or lapse in the insurance policy associated with an SR-22.