When speaking about “SR-22 insurance,” it’s crucial to understand that an SR-22 is a form filed by insurers to prove that the insured person has enough liability coverage to meet the state’s minimum requirements. There is no such thing as SR-22 insurance.
The Georgia Department of Motor Vehicles (DMV) or a judge may order you to keep an SR-22 form on file with the DMV as a condition of returning your driving privileges if you are convicted of a DUI, have numerous moving violations or are caught driving without proper insurance coverage.
If you must file an SR-22 form, contact Peachstate Insurance in Georgia right away. We can help you get the coverage you need to satisfy Georgia’s minimum liability requirements so your policy is SR-22 compliant.
What Is the SR-22 Insurance Form?
The SR-22 filed with the DMV by your insurer provides proof that your insurance policy meets Georgia’s minimum requirements, including:
- Bodily injury liability to help pay for third-party injuries after an at-fault accident.
- Property damage liability to help pay for third-party property damage after an at-fault accident.
Liability insurance coverage doesn’t cover damage you cause to your property or the car you are driving. If you have a loan or lease on a vehicle, the lender requires you to purchase full coverage insurance, including comprehensive and collision coverage. Your agent can help you tailor an auto insurance policy to meet the Georgia DMV and your lender’s requirements.
What Vehicles Does My Liability Auto Insurance Cover?
If your insurer files an owner/operator SR-22 form, your insurance helps cover your legal liability for an at-fault accident, whether you own the vehicle you drive or are borrowing or renting a car. If your insurer files an owner SR-22, you have coverage only while driving the vehicle you own.
If you don’t own a vehicle but plan to borrow or rent a car while you must file SR-22, a non-owners car insurance policy may be a good fit. Your agent can help you understand the details of your coverage by confirming the type of filing submitted by your insurance company.
Contact your agent if you don’t plan to drive during the time you must file SR-22. They can help you understand your options to stay in compliance with Georgia’s SR-22 filing rules.
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SR-22-compliant auto insurance can be more expensive, depending on the reason you must file the form. Contact Peachstate Insurance to get multiple quotes from reputable insurers.
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.