Georgia SR22 Insurance Facts Necessary to Reinstate a Driver’s License That Was Suspended

In the event that you live in Georgia and your driver’s license was suspended, there is a pretty good possibility that you will need an SR22 filing for your license to be reinstated. In many situations people refer to this as an SR22 insurance but this is not a correct assessment. SR stands for safety responsibility and it is basically a certification form coming from the insurance company that shows that a driver is issued a suitable insurance policy with minimum liability or over.

Prices Vary
Georgia SR22 insurance rates can vary a lot from one provider to the next. It is important that you get a quote on SR22 insurance from as many providers as possible in the event that you want to save some money. The insurance carrier will set rates based on a multitude of factors and can charge based on number of accidents and violations. Location in the state also counts. As an example, the driver that lives in the city of Vadolsta will pay less than one that lives in Atlanta. Checking different companies is really important due to the fact that not all insurance firms cover high-risk motorists. At the same time, besides what you pay for the premium, you will need to pay a $25 filing fee with the DMV for the SR22 form.

Georgia SR22 Insurance Facts Necessary To Reinstate A Driver’s License That Was Suspended

Why Do You Need SR22?
This is basically an insurance policy that is associated with high-risk motorists. However, you can have a suspended license because of many reasons and the SR22 form may be needed in other cases. In the state of Georgia, you will need the SR22 filing in these circumstances:

  • Having a suspended license and being caught driving
  • Being involved in an accident and not having insurance
  • Driving without an insurance
  • DWI or DUI conviction
  • Over 2 major violations that took place in the last five years
  • Unpaid child support

Issuing
In most situations, SR22 insurances will be issued on the exact same day when the coverage will be applied and the driver’s license will be reinstated on that day. It is important to shop around in order to get the best possible rates that you can put your hands on and when you decide to agree with a deal, the filing will be done by the auto insurance agent for you as you pay your first insurance policy premium. In Georgia this is done by fax so the driver’s license can be reinstated really fast.

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