The Georgia SR22 insurance requirements are the same as most states. This type of insurance is here to ensure a driver’s financial responsibility when they have had driving problems. Courts usually order such drivers to have this type of insurance for a period of time.

In Georgia, a court can order you to procure and maintain SR22 insurance for several reasons. Such things a DUI conviction, unpaid tickets, many repeated moving violations as well as not having insurance may be the cause for such requirement. Courts frown upon such violations of law and shall require you to have SR22 insurance.

This insurance will usually need to be kept for a minimum of three years. This can be less or more depending on the offense. However, as everyone know, Georgia is particularly strict punishment state. The insurance must be maintained throughout such court ordered period. If it is allowed to become lapsed, terminated or canceled during the three year period, then this three year term starts over from the beginning. The amount of time left is of no consequence even if there are only six months left. In all cases, you will restart all over again.

If offenses are repeated, you can lose your driving privileges. In Georgia, you can also be required to get SR22A insurance. You may be required to pay upfront for such insurance for a six month period to get your license back. As you can see, it can be expensive.

A court may order you to maintain this insurance without regard to whether you have a car or not. Yes, even if you do not own a vehicle, the court will require such insurance. In this case, you need to ask your insurer for a non owner policy. The only time a bad driver can list a non owned car, is if such driver’s spouse owns a car.

Since it is illegal to drive in Georgia without insurance, the state needed a way to follow the insurance status for all the drivers in the state. Because the state can not do such tasks, they placed such burden on you and your insurer. They also shift such cost to you. When one of an insurer’s clients has a policy that has lapsed, canceled or been terminated and the insurance is no longer current on their policy, the insurer notifies the state. This is what makes the SR22 insurance different from normal insurance. There will be requirements for minimum insurance coverage as well.

You will need to inform your current insurance company if you are ordered to have SR22 insurance. Some companies will no longer agree to insure you as such requirement denotes that you are a risky driver. This type of insurance can cost quite a bit more than a normal policy because of the required documentation and added risk. You may need to find a new car insurance company to get the best rate or to even procure such insurance.

Additionally, Georgia SR22 insurance mandates that you also advise the Department of any address change or change to your insurance. Always advise your current insurer of the necessary status. Keep your SR22 active at all times during your three year term or risk unwanted consequences.

Did you know that Georgia SR22 insurance requirements are exactly the same as most states? Get more info instantly in our super sr22 guide.

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