Business Auto

TicketSome drivers are required to carry an SR-22 on their auto insurance policy to prove that they have insurance and the financial resources to pay in the event of an accident. If your state has revoked your driver's license for any reason, it's likely that you'll need SR-22 insurance to get it back. People may also use the alternate name of Certificate of Financial Responsibility for an SR-22.

Every state has its own rules on who must buy SR-22 insurance. It's up to you as a driver to make sure that you are aware of your own state's requirements before searching for an insurer to sell you an SR-22 policy.

Situations That May Require SR-22 Insurance

The most common scenario that would require SR-22 insurance is when drivers are at fault in an accident and don't have insurance or financial resources to pay for the damage they caused. Your state will likely require you to have an SR-22 insurance rider in the following situations as well:
  • Driving with a suspended license.
  • Conviction for driving under the influence of alcohol or drugs.
  • Numerous traffic violations on record in a short period of time.
When a court orders an SR-22 insurance rider, you receive written notification directly from the court itself. When the state is involved, your notification comes from your nearest Department of Motor Vehicles. The typical time drivers are required to keep the SR-22 rider is three years, though the time frame depends on your violation.

The Cost Of Adding An SR-22 Rider

Adding the rider to your insurance policy typically involves a processing fee, along with higher rates for the duration of your SR-22 period. Your best bet in obtaining the SR-22 insurance that you need is to be honest with your independent insurance agent, who can help find you coverage even if some insurers have been declining you.

Get the coverage you need. Call Peachstate Insurance at (770) 938-4311 for an Atlanta SR-22 insurance quote.
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