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General Georgia SR22 Insurance Information:
SR22 Insurance is a policy required in many states for drivers that are considered to be a high risk. Georgia uses it as a way of showing financial responsibility for those drivers who have been charged with either one or more driving offense, and it ensures you are meeting the state’s minimum liability insurance limits. Liability coverage protects the other driver (property damage) if you are at fault in an accident.
In the state of Georgia an SR22 insurance policy needs to be purchased by drivers who have had a DUI, DWI, or other serious moving violation. It is also needed for those with repeated violations, for those who have let many tickets accumulate without paying them, a suspended license, and a license that has been revoked. In every case the driver is responsible for filing an SR22 form, which can be typically done electronically.
A few auto insurance companies provide this kind of policy, and there are also some that specialize in it. The SR22 is known under a plethora of names such as: SR22 filing, SR22 certificate of financial responsibility, and SR22 form.
How Long Do I Need to Maintain the SR22 in Georgia?
As with most states the policy must be held for three years without interruption, but this can also change depending on what the violation is. If there is any lapse in coverage, or if you decide to cancel the policy, the SR22 car insurance company is required to send the Georgia Department of Driver Services (DDS) a notice. A lapse in coverage means that at a minimum the state can suspend the drivers license again, but there is also the possibility of other penalties. It will also start the 3 year period of required coverage all over again.
If you do maintain the SR22, then your insurance company must, by law, report you to the DMV/state to let them know you are in violation, so it’s not unlike parole for people who have recently left jail. After successful completion of the SR22 period, your normal license can be reinstated if it was revoked.
The SR-22A is used in states like Georgia, Texas and Missouri. This is for repeat offenders of the financial responsibility laws and sets additional financial requirements, or a Responsibility Insurance Certificate; it differs from the SR-22 in some of its requirements, but a driver can be required to get one if they are apprehended for vehicle operation without insurance, and other driving issues.
(source: GA R&R » Department 375 » Chapter 375-3 » Subject 375-3-3 Subject 375-3-3 REVOCATION AND SUSPENSION http://rules.sos.ga.gov/gac/375-3-3?urlRedirected=yes&data=admin&lookingfor=375-3-3 )
Non-Owner Car Insurance
If you do not own a car, but still want to drive someone else’s car, then you need non-owner auto insurance because if you are in an accident with someone else’s car, then it needs to be covered, specifically by yourself since you are considered a high-risk driver by all insurance providers. Under most cases, a car’s insurance is designed to insure the car regardless of who is driving it. Getting a non-owners policy often requires getting the insurance quote over the phone since most online insurance rates tools do not let you complete them without entering a make and model of the motor vehicle you own.
Getting an SR22 Insurance Quote Online
By filling out our simple online quotes form at the top of this page our agents will do everything possible to find you the cheapest SR22 auto insurance policy and insurance coverage in the state of Georgia. True your insurance premium will likely be higher than it was before, but we will do our best to save you money!