An SR-22 is a form showing that you have valid insurance, and is generally issued as result of a court order. For example, if you get into an accident and don't have valid insurance coverage, the court may order you to carry an SR-22. If your insurance gets cancelled, then the insurance company will notify the state, and your license may be suspended.

 The SR-22 certificate is issued in one of the following forms:
1. Operator's Certificate - This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator's Certificate.
2. Owner's Certificate - This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for "All owned vehicles".
3. Operators-Owners Certificate - This certificate covers all vehicles owned or non-owned by the driver.