THE WHO, WHY, AND HOW OF SR22 INSURANCE
Are you looking for Georgia SR22 insurance? At Georgia SR22 Specialist, we can help you find affordable insurance to cover the SR22 requirement. This kind of requirement only applies to some drivers.
If you’re in Georgia, you can check out several options for SR22 insurance. Our specialists know all the rules and state requirements specific to Georgia so you won’t have to spend time shopping and comparing rates, and filing the forms on your own.
What is SR22 Insurance?
SR22 insurance is not really insurance but a form that is required from some drivers. It’s essentially a certificate of financial liability that states that your car insurance covers the minimum amount set by the state or court. Therefore, this form of insurance is mandated by the state or court.
Most insurance companies charge additional rates for SR22 form filing and coverage. Some have a flat rate for SR22, while others depend on your overall coverage.
SR22 insurance Georgia is provided by several of the top insurance companies, as well as some others. The rates can vary anywhere from a few hundred dollars to over a thousand dollars.
This form is filed by the insurer on behalf of the driver, ensuring the state or court that the insurance covers the required financial liability.
Who Needs SR22 Insurance Georgia?
Now, this is the important bit. Not all drivers require an SR22 form filing and updated insurance with SR22. The exact rules may vary by state, but in Georgia SR22 insurance is required of drivers who have certain violations in their history, including:
- Driving under the influence (DUI)
- Reckless driving
- Diving without insurance
- Diving with a suspended driver’s license
Typically, a court or the Department of Motor Vehicle (DMV) Georgia will inform you if your insurer needs to file the form SR22.
Not all insurers issue SR22 forms, in which case, you’ll have to change your insurance. In some states, SR22 is also required after an accident, but that’s not usually the case in Georgia.
Usually, the requirement lasts for two years after your driver’s license is reinstated. However, it ultimately depends on the severity of your violation(s).
What about non-owners who require SR22 Georgia? If you work as a driver or rent or borrow a car to drive, you may need a non-owner car insurance policy with the SR22. The rates are slightly higher for such coverage than if you were insuring the car you own.
Again, there are some cheap options and some more expensive ones.
How to File SR22 Georgia?
You will have to ask your insurance company to file on your behalf the form SR22 with the DMV and/or the court. They will let you know if they offer such a service. Since some insurance companies don’t, that means you will have to find one that does provide SR22 insurance Georgia. State Farm, GEICO, and Progressive are some of the top ones that do cover this requirement for drivers in Georgia.
How Long Does SR22 Last?
Usually, the SR22 insurance Georgia lasts as long as your insurance is active. As stated before, for drivers with first and less serious offenses, the requirement to have Georgia SR22 insurance may last for two years.
The state or court order will likely mention how long you need to have such insurance in place. If your insurance lapses in the meantime, you will have to pay for the SR22 again to renew it.
Use Georgia SR22 Specialist!
If you’ve been asked by the court or the DMV to file the SR22 at your earliest and you’re looking for insurers that provide such coverage, we can help. We serve many cities and counties in the state, providing our professional services to get you the best rates with reliable coverage, so you can once again drive lawfully.
Yes, you will be paying more for insurance than drivers without a prior record. However, if you abide by the law and be careful, you won’t have to file for SR22 again and again. Our experts know everything about Georgia SR22 insurance and can guide you about your next course of action.
when and why
It is not uncommon to hear of people who have been in accidents and need SR22 insurance. But why? In this blog post, we will outline some situations that may require you to get SR22 insurance.
The first situation is when a driver has had their license suspended for reasons other than DUI or DWI offenses – such as speeding tickets or reckless driving. These drivers are required by law to file an SR-22 form with the DMV. The second reason would be if they have filed bankruptcy and cannot demonstrate sufficient creditworthiness without the filing of an SR-22 form from their insurer. The third scenario would be when someone has had their license revoked due to criminal activity involving alcohol or drugs; these individuals must also file an SR-22 form.
If you are in any of these situations, it is important to get your hands on the paperwork as soon as possible so that you can begin rebuilding your license and managing traffic violations without worry. To learn more about what else we do at our law firm, please visit our website!
How much does SR22 Insurance cost?
SR22 Insurance is not exactly cheap; in fact, many drivers are unable to afford the costs. Luckily, we offer low-cost SR22 insurance for a variety of situations! For those who have had their license suspended or revoked due to DUI/DWI offenses, they will be required by law to carry an SR-22 form with them at all times and file it whenever requested by law enforcement officials until satisfactory proof of future financial responsibility (i.e., liability coverage) has been established according to state requirements – which could take up to three years. We provide affordable rates on this type of insurance so that you can restore your driving privileges as soon as possible without breaking the bank!
Do I need SR 22 Insurance?
If you are required by law to carry an SR-22 form and pay the periodic filing fee, then yes. If not, it is typically a good idea to have this type of insurance if your driving record has been less than stellar (i.e., speeding violations without citations). It can also be helpful for those who may find themselves in litigation with another party – because they will need proof of future responsibility before they make any settlement payments or agree on a civil judgment that would require them to satisfy their financial obligation over time; otherwise, the DMV could revoke their license again!