Holston & Huntley Logo
over 100+ 5 Star Reviews
Follow us
Call Today!
(678) 928-7729

What is SR-22 Insurance, and Do I Need It to Drive in Georgia?

explaining the details of the proceeding and gathering evidence to file a lawsuit

Did the state of Georgia just require you to obtain SR-22 insurance? Are you wondering what exactly this type of insurance is, and whether or not you need it to drive in the state? While it may sound confusing and overwhelming at first, SR-22 insurance is actually quite simple to understand.

To help you better understand what SR-22 insurance is, our team at Holston & Huntley has put together this informative guide. From its definition to its purpose, we’ll cover everything you need to know about SR-22 insurance in Georgia.

What is SR-22 Insurance?

In simple terms, SR-22 insurance is a form of financial responsibility that certifies you have the minimum amount of car insurance coverage required by your state. This certificate is often required for drivers who have been involved in certain driving violations or offenses, such as driving under the influence (DUI) or reckless driving.

SR-22 insurance may also be known as a certificate of financial responsibility or a SR-22 bond. It is not actually an insurance policy, but rather a document that your insurance company files with the state on your behalf to prove that you have car insurance coverage.

Do I Need SR-22 Insurance to Drive in Georgia?

Not every driver needs SR-22 insurance. It’s typically required for individuals who have had their driving privileges suspended or revoked due to serious traffic violations. The Georgia Department of Driver Services (DDS) will notify you if you need to file an SR-22. Here are some scenarios where SR-22 insurance might be necessary:

  • Driving Under the Influence (DUI): If you are convicted of a DUI, Georgia law requires you to carry SR-22 insurance for a specific period as a condition of reinstating your driving privileges.
  • Driving Without Insurance: Being caught driving without insurance can lead to your license being suspended. To get it reinstated, you’ll likely need to file an SR-22.
  • Serious Traffic Violations: Accumulating too many points on your driving record from various traffic violations can also trigger the need for SR-22 insurance.

How Do I Obtain SR-22 Insurance?

Obtaining SR-22 insurance in Georgia involves a few straightforward steps. Here’s how you can get started:

Contact Your Insurance Provider

The first step is to reach out to your current auto insurance provider. Not all insurance companies offer SR-22 filing services, so you may need to find a company that does. If your current insurer provides SR-22 filing, they will add the SR-22 certificate to your policy and file it with the Georgia DDS on your behalf.

Pay the Filing Fee

There is a small fee associated with filing an SR-22 certificate. This fee varies by insurance company but typically ranges from $15 to $25. This is in addition to your regular insurance premiums.

Maintain Continuous Coverage

Once you have SR-22 insurance, it’s crucial to maintain continuous coverage. Lapses in your insurance can result in the SR-22 being voided, which can lead to further legal complications and additional fines.

Monitor the Duration Requirement

In Georgia, the SR-22 requirement usually lasts for three years. It’s important to know the exact duration specified by the court or the DDS. Ensure that your insurance company continues to file the SR-22 for the required period.

Ensure Compliance with Georgia’s SR-22 Requirements

Understanding and navigating SR-22 insurance requirements can be challenging, but it is essential for maintaining your driving privileges and avoiding further legal complications. If you find yourself in a situation where SR-22 insurance is required, taking prompt and informed action is crucial. Contact your insurance provider, maintain continuous coverage, and adhere to the specified duration to ensure compliance.

For those facing the prospect of SR-22 insurance, professional legal advice can provide clarity and support. At Holston and Huntley, we are committed to helping you understand your obligations and options. Whether you need assistance obtaining SR-22 insurance or contesting the requirement, our experienced team is here to guide you through the process and ensure your rights are protected.

Contact us today to schedule a consultation.

Scroll to Top
Contact Us for A Case Evaluation

"*" indicates required fields

This field is for validation purposes and should be left unchanged.