What typically triggers the need for an SR-22?

An SR-22 is a form that certifies a driver has the minimum required liability insurance coverage mandated by law. It is typically triggered when a driver is classified as a high-risk driver due to certain events or violations, such as a DUI, repeated traffic offenses, or driving without insurance. When these events occur, state law often requires the driver to file an SR-22 with the Department of Motor Vehicles (DMV) to prove financial responsibility and allow them to maintain or reinstate their driving privileges.

In contrast, normal policy renewal, claim submissions, and changes of address do not directly relate to an individual's risk status on the road and therefore do not trigger the requirement for an SR-22. These situations pertain more to standard insurance practices rather than the specific designation of high-risk driving. This distinction is essential in understanding how the SR-22 is used in the context of driver responsibility and insurance compliance.