The state of Vermont 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 caught operating, or permitting the operation of an uninsured vehicle.
2. In case you are convicted of reckless driving or careless operation of a motor vehicle that resulted in death.
3. If you fail to stop and render assistance at the scene of an accident that resulted in death, injury, or property damage.
4. Operating a motor vehicle without the owner's permission.
5. Operating a motor vehicle without a driver license, or with a suspended or revoked license.
6. Any moving violation that occurs after five or more points are already entered in your driving record.

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 Vermont 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 Vermont, 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 $10,000 for property damage.
4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the Commissioner of the Department 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 Commissioner.
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. If you are from out of state your out of state proof of financial responsibility will be accepted provided that your insurer certifies in writing that the insurance policy complies with the laws of the state of Vermont. It is best to contact your insurance agent to find out if your out of state policy is valid in the state of Vermont.
2. If you are required to file a SR-22 in Vermont, you must do so through an insurance company that is licensed to do business in the state.

ADDITIONAL INFORMATION

• An amount of $115,000 in cash or securities may be deposited with the State Treasurer in place of the SR-22. The motorist can also file a surety bond or a real estate bond approved by a court of record.
• For related information, see Auto Insurance, DUI/ DWI Lawyers, DUI/DWI Information and Suspended License.