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What is SR22 Insurance in GA?
A Georgia SR22 car insurance form, sometimes called a SR-22 financial responsibility insurance form, is a special type of insurance form that shows the Georgia authorities that the driver of a motor vehicle is financially responsible for carrying continuous car insurance with at least the minimum amount of liability coverage for the state. The SR-22 form needs to be filed with the Georgia department of motor vehicles so that they are confident that the driver is covered and can drive safely. The car insurance company and the driver are responsible for filing the SR-22 form with the state.
Who Needs Georgia SR22 Insurance?
In Georgia, SR 22 car insurance needs to be filed by drivers who are considered “high risk.” These drivers are those who have received multiple moving violations, been involved in multiple accidents or received a citation for a serious accident like a DUI. In Georgia, SR 22 auto insurance forms are required for drivers who have been convicted of a DUI or have had their license suspended for driving without insurance, for having multiple violations or serious violations like reckless driving. The state requires that these high risk drivers file the Georgia SR22 Insurance Certificate to prove that they are financially responsible for holding continuous auto insurance coverage.
Are There Different Types of Georgia SR22 Forms?
Yes, there are two basic types of Georgia SR22 car insurance forms, called certificates. The owner of the car needs an SR22 Owner’s Certificate that shows the financial responsibility of the owner of the vehicle. The SR22 Operator’s Certificate proves the financial responsibility of the operator of a vehicle if they do not own a vehicle. There is also an Operator-Owner’s Certificate that covers the driver and all the vehicles they drive, whether or not they own those vehicles.
Is SR22 Car Insurance Required in Georgia?
Georgia is very strict about their car insurance laws, and the Georgia State Department of Motor Vehicles does require drivers who have received serious moving violations or received a DUI conviction to file a Georgia SR22 certificate. The Georgia SR22 car insurance form should show that the driver has at least the state minimum amount of coverage. In Georgia, this is $25,000 per person per accident, $50,000 for more than one person per accident, and $25,000 in property damage liability car insurance.
How Do I File a Georgia SR22 Insurance Form?
The car insurance company usually files the SR22 form with the Georgia Department of Driver Services, but you have to request that it be filed when you purchase your Georgia car insurance coverage. Often, a processing fee is also associated with a SR22 form, but this can be included in your premium. To find low cost Georgia SR 22 car insurance, you can start by entering your information for a free online quote!