Is SR-22 public record?

Yes, SR-22 requirements appear on driving records accessible to insurers and employers.

An SR-22 is not an insurance policy, but rather a certificate of financial responsibility. It's often required by the DMV for drivers who have been involved in violations such as DUIs or reckless driving. When a driver is required to maintain an SR-22, it means that they must prove they have the minimum required auto insurance coverage. This requirement is reflected on the individual’s driving record. While these records are not typically accessible to the general public, they are available to certain stakeholders like insurance companies and employers, especially those that require driving as part of job duties.

Imagine you were caught driving under the influence and, as a result, the court or your state's DMV mandates that you carry SR-22 insurance for three years. Your insurance company files the SR-22 with the state, and this requirement now appears on your driving record. Later, when you apply for a job that involves driving a company vehicle, your potential employer might check your driving record and see the SR-22 requirement, which could influence their hiring decision.

If you are required to carry an SR-22, it's crucial to maintain continuous auto insurance coverage to avoid penalties or having your license suspended. Always communicate with your insurance provider to understand the terms and ensure that the SR-22 is filed on your behalf. Additionally, be mindful that the presence of an SR-22 may increase insurance premiums, so shop around to compare rates from different providers. As you navigate this situation, focus on maintaining a clean driving record to improve your long-term driving history.