The short answer
SR-22 is a certificate your insurer files with the state DMV proving you carry at least the minimum liability. Required for 3 years (some states 5) after DUI, uninsured accident, reckless driving, or license reinstatement. Filing fee $15–$25; the underlying policy runs higher because you're now high-risk.
Frequently asked
- What if my policy lapses?
- Insurer notifies the state; license is suspended until reinstated.
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