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SR-22 Insurance

To discourage bad driving habits, one of the measures that the state of Missouri takes is to slap an SR-22 certificate onto a reckless driver's record. SR-22 is not insurance. As a matter of fact, it is simply proof of insurance required by those who were convicted of a serious driving violation and still have the minimum insurance coverage required by the state. Furthermore, auto insurance companies add to the punishment by hiking up insurance rates because of the individual's bad driving decisions. SR-22 typically lasts for years, the average requirement being at least three.