Insightful Tips About Georgia SR22 Insurance Requirements

February 5, 2017 · Posted in General Articles on Car Insurance 

Just as with other states throughout the country, special insurance coverage for previous illegal driving activities, such as the Georgia SR22 insurance requirements, are sometimes necessary by court order. In most cases, meeting these requirements is something that individuals need to stick to in order to drive legally with a license or permit.

While some tend to believe the myth that SR22 coverage often costs more than that of other insurance premiums, this is not the case. Sometimes, the cost for SR22 can cost more due to the risk involved for insurance companies and covering a person who already has a negative and high-risk driving history. In the end, it’s more a matter of finding the right quotes and company for your needs.

Due to the many different insurance companies out there, all with varying prices ranges and quotes, it’s always a good idea to browse around and compare quotes and the types of coverage that’s offer for any type of insurance. The SR22 insurance, however, requires a minimum amount of coverage, having at least $25,000 bodily injury liability for a single person, $25,000 property damage liability, and $50,000 bodily injury total in an accident.

One thing that those needing SR22 insurance will need to be aware of is the fact that it is perfectly legal for insurance companies to charge a fee that is around $50, once the paperwork has been given to them to process. This is prior to any payments needed for the actual premium coverage agreed to. Therefore, this is something that many people wish to investigate further, as well as compare with other when regarding other companies.

Often times, those who require SR22 insurance are those who have an illegal driving history, and who have been issued by the courts to obtain special insurance due to their high-risk driving. These types of incidents can include reckless driving, frequent case of accidents, traffic violations, driving without insurance, and driving under the influence.

It’s good to be aware of the fact that some insurance companies may not provide you with the necessary documentation that may you be obligated to show in court in order to fulfill any requirements. While it’s a good idea to compare and shop for different quotes, this is something that those needing the SR22 may want to consider finding out in advance with certain companies.

The SR22 is generally required in order to obtain a new license or permit after it has been revoked for previous illegal driving issues. Usually, the person must carry their insurance coverage following this for a period of three years. Should the coverage lapse, however, the person must report the lapse to the Georgia DDS, which will result in the license or permit being suspended until the SR22 form is filed again and a new license or permit is given.

It’s more than likely that much of the information that a person will need will be made available to them at the time they are required to adhere to Georgia SR22 insurance requirements. While it is possible to research much of this online or through other sources, if a person has questions, it’s generally a good idea to speak with those who work within the local court system handling their case, or with the insurance companies that an individual may be looking into.

 

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