How SR-22 Insurance Works in Georgia

An SR-22 is not actually an insurance policy, but rather a certificate your auto insurer files with the state to verify that you have the minimum required auto liability coverage. SR-22 filings are typically required for drivers considered “high-risk” due to certain violations or incidents.

Who Needs an SR-22 in Georgia?

You may be required to file an SR-22 if:

• Your license was suspended or revoked for serious traffic offenses, such as DUI or reckless driving.
• You were caught driving without insurance.
• You accumulated too many points on your driving record.
• You were involved in an accident without auto insurance.

How Do You Obtain an SR-22?

Our team at Absolute Insurance Agency LLC can help you secure an auto insurance policy that meets Georgia’s requirements and includes the SR-22 filing. Here’s how the process typically works:

1. Contact your insurance provider and ask for an SR-22 filing.
2. Your insurer submits the SR-22 form to the Georgia Department of Driver Services (DDS) on your behalf.
3. You pay any associated fees and maintain continuous coverage for the required period (usually three years).
4. If your policy lapses, your insurer must notify the DDS, which could result in another license suspension.

What Should You Expect as a High-risk Driver?

Having an SR-22 on file may mean higher insurance premiums and stricter monitoring of your coverage. It’s essential to maintain an active policy and avoid further violations during the SR-22 period. Once you’ve met the state’s requirements, your insurer can submit a form to remove the SR-22 status.

Contact Us

If you need to file an SR-22 or have questions about high-risk auto insurance in Georgia, our team at Absolute Insurance Agency LLC is here to guide you. Contact us today to get started.

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.