SR-22 Insurance

While Georgia laws require every driver to carry minimum amounts of auto insurance, some drivers may have to take additional measures to prove they have an insurance policy that conforms to the state’s requirements.  

Contact Peachstate Insurance today to learn more about how to remain in compliance with Georgia’s auto insurance requirements and get a quote.  

What Is SR-22 Insurance? 

SR-22 insurance is commonly referred to as a type of auto insurance coverage, but it’s actually a form certain drivers must file with the state of Georgia to prove that their auto insurance policy meets the minimum liability coverage requirements.  

If you are required to file SR-22, your insurer will file the proof of insurance on your behalf.  

Even if you must file an SR-22 form, you can still get full-coverage auto insurance. If you have an auto loan or lease, your lienholder requires that you purchase comprehensive and collision coverage for your vehicle.  

What Is the SR-22 Insurance Form? 

The SR-22 form proves that your auto insurance policy includes the following: 

• 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  

Do I Need the SR-22 Form? 

Drivers convicted of certain serious driving offenses and those with multiple moving violations may be required to file an SR-22 form. If you must file an SR-22 form, you’ll receive notice from the Georgia Department of Motor Vehicles (DMV) or a judge.  

Contact your agent immediately if you must file an SR-22 form. Not every insurance company will provide auto insurance coverage to drivers with an elevated risk of filing a claim. Your insurer may charge a fee for filing the form. You may want to shop around for the best possible auto insurance rates after receiving notice that you must file SR-22.  

If you fail to file the required SR-22 form, the state of Georgia will not reinstate your license and you may lose your driving privileges. If your insurer decides to cancel your auto insurance coverage, they will notify the DMV.  

Contact Us 

Contact Peachstate Insurance right away if you receive notice that you must file an SR-22 form or if you want to shop around for better auto insurance rates. We can help you get a policy that meets Georgia’s minimum requirements at a great rate.