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An SR-22 is not insurance as such. It is, however, evidence of having a form of high-risk auto insurance. That kind of insurance may be required by the state driver's license authority when a person is convicted of driving under the influence, or has been involved in a collision for which he/she is At Fault, but had no liability insurance. There may also be other reasons, depending upon the law of the state.
The auto insurance that it evidences is usually more costly than standard coverage, and it must be kept in force for a period of time specified by state law.
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