SR-22 insurance is a type of car insurance that is required in Georgia for drivers who have been convicted of certain driving offenses. The purpose of SR-22 insurance is to ensure that these drivers have adequate liability insurance in case they cause an accident.
The following are some of the driving offenses that may require SR-22 insurance in Georgia:
- Driving without insurance
- Driving under the influence (DUI)
- Reckless driving
- Habitual traffic violator (HTV)
- Driving with a suspended or revoked license
If you are convicted of one of these offenses, you will be required to file an SR-22 form with the Georgia Department of Motor Vehicles (DDS). The SR-22 form is a certificate of financial responsibility that proves that you have the required liability insurance.
You will need to maintain SR-22 insurance for a period of time that is determined by the DDS. The length of time will vary depending on the severity of the offense.
If you fail to maintain SR-22 insurance, your driver’s license will be suspended or revoked.
How Much Does SR-22 Insurance Cost in Georgia?
The cost of SR-22 insurance varies depending on the insurance company and the coverage limits. However, you can expect to pay an additional $100 to $300 per year for SR-22 insurance.
Can I Get SR-22 Insurance from Any Insurance Company?
No, not all insurance companies offer SR-22 insurance. However, most major insurance companies do offer this type of insurance. You can contact your current insurance company to see if they offer SR-22 insurance. If they do not, you can contact other insurance companies to get quotes.
How to Get SR-22 Insurance
To get SR-22 insurance, you will need to contact an insurance company that offers this type of insurance. The insurance company will need to verify your driving record and the driving offense that you were convicted of. Once the insurance company has verified your information, they will issue an SR-22 form.
You will need to file the SR-22 form with the DDS. The DDS will then keep a record of your SR-22 insurance for the required period of time.
If you have been convicted of a driving offense that requires SR-22 insurance, it is important to understand what this type of insurance is and how to get it. By following the tips in this blog post, you can ensure that you have the required insurance and that your driver’s license is not suspended or revoked.
Here are some additional tips for getting SR-22 insurance:
- Start the process as soon as possible. The DDS may take some time to process your SR-22 form, so it is important to start the process as soon as possible.
- Be prepared to pay an additional premium. As mentioned above, you can expect to pay an additional $100 to $300 per year for SR-22 insurance.
- Make sure you understand the coverage limits. The SR-22 form will specify the coverage limits that you need. Make sure you understand these limits before you purchase a policy.
By following these tips, you can get SR-22 insurance and keep your driver’s license.