In Missouri, an SR‑22 (Certificate of Financial Responsibility) is required when a driver’s license has been suspended for certain offenses such as a motor‑vehicle accident judgment, false insurance, or other mandatory‑insurance violations. The Department of Revenue explains that the SR‑22 is a form filed by the driver’s insurance company to prove the vehicle is covered by liability insurance; an identification card is not acceptable.
To file, the driver must obtain liability coverage from a Missouri‑licensed insurer, which then submits the SR‑22 electronically (or by fax to (573) 522‑6062). The insurer must update the Department’s file by the 7th working day of each month. The required filing period depends on the suspension cause: two years for accident‑judgment suspensions and three years for false‑insurance or other mandatory‑insurance suspensions. After the suspension period, reinstatement requires proof of insurance (the SR‑22), payment of any reinstatement fees, and completion of any other conditions noted by the Department.