Insurance Requirements / SR-22
What you need to know about Insurance Requirements in New Hampshire.
When a SR-22 (Proof of Insurance) is Required
The Division of Motor Vehicles may require that persons have insurance (SR-22). If you fall under an insurance filing requirement, the Division of Motor Vehicles will notify you of this in writing.
A Driver Record Report will reflect whether or not an individual is required to file proof of insurance. This information is displayed either as: "No proof of financial responsibility is required" or "Proof of financial responsibility is required."
If you are placed under such a filing requirement, your license/operating and/or registration privileges cannot be restored or retained until this requirement is met.
If you are required to file proof of insurance with the Division of Motor Vehicles, you must contact an insurance representative/carrier to assist you in this process. The insurance company chosen must be licensed to do business in New Hampshire. The only document accepted is the uniform SR-22 certificate. This is not a form supplied by the Division of Motor Vehicles.
Types of SR-22 Certificates
The DMV only recognizes the specific policy type listed on an SR-22 Certificate of Insurance. Those policy types are "Owner" and "Operator" SR-22. An "Owner SR-22" allows the person filing to own and register a vehicle as well as operate a motor vehicle. An "Operator SR-22" only allows the person filing to operate a motor vehicle. Please be advised that these terms may not be the same terms as an insurance company may use.
Certain Convictions that require filing proof of insurance (SR-22)
- Any DWI.
- Leaving Scene of Accident/Conduct After Accident.
- Subsequent (2nd) offense Reckless Operation.
Relief of Filing from SR-22 (Proof of Insurance)
In order to learn if you can be relieved of filing proof of insurance, you should contact the Bureau of Financial Responsibility and request that your record be reviewed. Your record will then be reviewed and a determination will be made as to whether the filing period has been met or must be extended.
If, as the result of the review process, it is determined that any of the subsequent activities/conditions outlined in Saf-C 207.12 exist, the filing period shall be extended.
If eligible, you will receive a formal Notice of Relief of Filing from the Division of Motor Vehicles. Regarding notice to your insurance provider, as indicated in Saf-C 207.12, once you have been relieved of filing proof of insurance, you will be provided a formal Notice of Relief of Filing. Your insurance provider/company will also be forwarded notice of the relief of filing via the mail; however, once you have received your formal Notice of Relief of Filing, we encourage you to contact your insurance provider/agent directly.