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An SR-22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR 22 car insurance, or a certificate of financial responsibility (CFR) filing. The SR22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.
SR22 insurance is required for several different reasons:
If you have been caught driving without a valid insurance.
If you are caught driving under the influence or while intoxicated.
If you are caught driving without a license or with an expired one.
If you have too many traffic tickets in a short time frame.
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