Who Needs an SR-22 in Georgia?

An SR-22 is a certificate of financial responsibility that proves you have the minimum required auto insurance coverage mandated by your state. In Georgia, certain drivers must file an SR-22 to reinstate their driving privileges after specific violations.

Understanding SR-22 Insurance

Despite its name, SR-22 insurance is not a type of insurance but a form filed with the state to confirm you have the necessary insurance coverage. It is often required for high-risk drivers to ensure they maintain adequate insurance. Most drivers are required to maintain SR-22 insurance for three years. This period can vary based on the severity of the offense and state regulations.

In Georgia, you may be required to file an SR-22 if you have been involved in certain driving offenses, including the following:

• DUI or DWI convictions—If you have been convicted of driving under the influence or driving while intoxicated, you will need to file an SR-22.

• Driving without insurance—If you are caught driving without the required insurance coverage, you will need to file an SR-22 to reinstate your license.

• Serious traffic violations—Multiple traffic violations or severe offenses, such as reckless driving, can require an SR-22.

• At-fault accidents without insurance—If you are in an at-fault accident and do not have insurance, you will typically be required to file an SR-22.

• License suspension or revocation—If your license has been suspended or revoked for any reason, you may need to file an SR-22 to reinstate it.

How to Obtain an SR-22 in Georgia

Inform your current insurer about your need for an SR-22. They will file the form with the Georgia Department of Driver Services (DDS) on your behalf. There is usually a fee associated with filing an SR-22, which varies by insurance company.

Ensure that your insurance policy remains active without any lapses. If your policy is canceled, your insurer is required to notify the state, which could result in the suspension of your driving privileges.

Contact Us

Contact Guardian in Lilburn, Georgia, for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.