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Filing the SR-22 Insurance Form

Updated on Thu, 4/28/2011

The state of Utah uses the SR-22 form to help protect its citizens against problem drivers by monitoring their insurance. It requires the auto insurance company to file the SR-22 form as a proof of a problem driver's financial responsibility, stating that his/her auto insurance liability is in effect. The state does not send notifications and it is the responsibility of the driver and the auto insurance company to submit the form as well as the renewals, to the state, if required.

WHAT IS A SR-22 FORM?

There are three different types of SR-22 forms:

  1. The Operator's Certificate covers the financial responsibility in the case the motorist does not own a vehicle.
  2. The Owner's Certificate covers the financial responsibility for vehicles owned by the motorist.
  3. The Operators-Owners Certificate covers financial responsibility for all the vehicles that are owned or non-owned by the motorist.

WHEN IS SR-22 REQUIRED?

The SR-22 financial responsibility Insurance form is required in the following cases:
  1. In case you are found driving without mandatory insurance.
  2. In case you were involved in an accident that caused death or injury and were not insured at the time.
  3. In case if license suspensions due to driving under influence or refusal to test for drugs or alcohol.
  4. In case of an accumulation of high risk moving violations such as reckless driving.

FILING FOR THE SR-22

  1. Contact a state-authorized insurance agency to request for a SR-22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our Utah auto insurance page and companies such as Esurance will allow you to request an SR-22 filing automatically.
  3. As per the State laws of Utah, the minimum amount of coverage should be $25,000 for one person killed or injured, $50,000 for two or more persons killed or injured and $15,000 for property damage.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the Financial Responsibility Department of the Utah Division of Motor Vehicles in about 30 days.
  5. If accepted, you will receive the SR-22 from the agency along with a letter from the Division of Motor Vehicles.
  6. The SR-22 has to be maintained for a minimum period of 36 months. If the motorist does not renew it at least 15 days before the expiration date the agency notifies the State. The State may then suspend the driving record of the motorist until the insurance is reinstated.

FOR OUT OF STATE RESIDENTS

  1. Out of state residents who do not operate a motor vehicle in Utah for more than 90 days in a year are exempted from filing proof of financial responsibility in the state of Utah.
  2. If you intend to operate a motor vehicle in the state of Utah for more than 90 days in a year, you will be required to maintain satisfactory liability insurance as per the state laws.

ADDITIONAL INFORMATION