In Utah, the sr22 is used to monitor the auto insurance of its problem motorists, and to protect its citizens from them. The auto insurance companies are required to submit a sr22 for these drivers, certifying that their insurance meets at least the minimum liability coverage required by the law of Utah. The driver will receive no notifications regarding his driving status; it is his responsibility to maintain his auto insurance as required by Utah law. The sr22 certificate is also called the certificate of financial responsibility.

Three types of sr22 exist in Utah:

• The certificate that covers financial responsibility in cases where the driver is not the owner of the vehicle.
• The certificate that covers financial responsibility in cases where the driver owns the vehicle.
• The certificate that covers financial responsibility in cases where the driver may or may not own the vehicle.

The sr22 is required in Utah when:

• The driver is caught driving without the required mandatory insurance
• The driver was in an accident in which his vehicle was not insured, and the accident resulted in the death of a person.
• The driver’s license was suspended because he either refused to test for alcohol or drugs or he was convicted of driving impaired by alcohol or drugs.
• The driver had a number of moving violation on his record, like reckless driving.

The following occurs when a sr2 request is filed in Utah:

• The driver requests a filing of an s22 from a state-licensed insurance company.
• He pays the company’s processing fee. The amount of this fee varies with the company, and the driver will do well to shop around for the best quote.
• The driver must purchase at least the minimum liability insurance coverage required by law. In Utah that is $25,000 for the injury or death of 1 person, $50,000 for the injury or death of 2 or more persons, and for property damage, $15,000.
• The insurance company sends the request to the central office, which then sends a sr22 to Motor Vehicles division in charge of financial responsibility within 30 days.
• When and if accepted, the driver will receive the sr22 from the insurance company with a letter of acceptance from the motor vehicles division.
• The driver is advised that the responsibility is his to ensure continued coverage of his vehicle, and his sr22 must be maintained for at least 3 years. In the event he allows it to lapse, the insurance company is required to inform the State of the lapse, and the State will suspend the driver’s license until he reinstates the sr22.

With regard to residents from out of state, who drive a vehicle for less than 90 days each year, they will be exempted from having to file for financial responsibility in Utah.
However, if a driver plans to drive for more than ninety days per year in the state, he will be expected to maintain at least the minimum required insurance coverage required by law.