In Vermont, drivers who violate the state’s mandatory insurance law—such as operating an uninsured vehicle—or who are otherwise required by statute must file Financial Responsibility Insurance, commonly known as an SR‑22. The SR‑22 serves as proof that the driver maintains liability coverage meeting Vermont’s minimum financial responsibility standards. Those required to file must keep the SR‑22 on file with the DMV for at least three years from the date of the triggering violation.
The SR‑22 must be filed by a licensed insurance company; the DMV accepts only the SR‑22 certificate directly from the insurer, not from an agent. If the policy lapses or is cancelled, the insurer notifies the DMV and the driver’s license is suspended. License reinstatement occurs only after a valid SR‑22 is again on file and any required reinstatement fees or other conditions are satisfied.