SR22 insurance is a type of vehicle liability insurance required in the United States for certain drivers. Commonly referred to as a "Certificate of Financial Responsibility," SR22 is not actually a type of insurance, but a form that your insurance company files with your state to prove you have the minimum required insurance coverage. This certificate is typically required for drivers who have had their driving privileges suspended or revoked due to serious offenses such as DUI/DWI (driving under the influence/driving while intoxicated), reckless driving, at-fault accidents without insurance, or other major traffic violations. The requirement for an SR22 can also arise from an accumulation of points against a driver’s license. SR22 insurance is necessary because it ensures that high-risk drivers maintain continuous insurance coverage, thereby providing increased protection to other road users. While having to carry SR22 insurance can lead to higher insurance premiums due to the increased risk associated with the driver, it is a crucial step in regaining and retaining driving privileges and demonstrating responsibility on the road.