As I addressed in the previous post, an SR22 form is something that needs to be filed by your auto insurance company with the Georgia Department of Motor Vehicles after you have committed a drunk driving offense or some other offense that ends you with a suspended license. Now that you know what  insurance SR22 filing is, though, how do you go about getting it? It might be a little difficult for you, but it can be rather easily explained.

• Contact.

Get your insurance company on the line and talk with your agent. Tell them you have a suspended license and inquire if they can help you with getting an SR22 form set up so that you can restore your driving privileges.

This is where you might run into some hang ups. Just because you need SR22 insurance, doesn’t mean that your insurance company is going to provide you with it. You may find your renewal of insurance denied if you are at the end of your six month period, or you’ll see your insurance policy outright canceled. Unfortunately, if it’s going to happen you can’t avoid it, but you can start looking at other Georgia auto insurance companies and set yourself up with a new company.

• Get a new quote.

Once you are required to file SR22 insurance with your  insurance company, you are no longer the same customer as before. Now that you are part of a higher risk group, you will need a new quote appropriate to your rating, and that is only if your Duluth GA automotive insurance company decides to keep you on board.

You have the best chance at getting a good rate and staying with your insurance company if you had a good track record with them in the first place. Many preferred and long time customers get DUI convictions and don’t see their insurance rates go up even a dollar.

• Decide on your coverage.

As when you get any car insurance policy, you will need to choose your coverage. Collision will be through the roof if you have to file SR22, so avoid it unless you’re still purchasing your car and thus have no choice.

insurance law only requires that you get the minimum liability coverage for your SR22 policy, so unless you have no other option, I suggest you go with that. SR22 filing.

Once you have made your down payment or paid your first premium bill, you will need to get your SR22 form. Your insurance company will provide you with this, and every one has its own way. With some, you’ll be able to access it online, and with others you’ll have to wait for it in the mail. Once it arrives, fill it out and turn it in to the DMV.

When you get into an accident with an uninsured driver, then your minimum liability automobile insurance policy will not help you in the least towards your damages. In order to be covered in such an incident, you need to have uninsured motorist coverage.

As I’ve mentioned, the requirements for bodily injury liability under Georgia auto insurance law are pretty low, so in a bad accident it wouldn’t be too hard for the actual medical costs to go way over the amount of insurance that this person has. This is why under insured motorist coverage is also very necessary.

If a person only has twenty five thousand in bodily injury liability, and the damages are thirty thousand, then their car insurance company will pay for the first amount, and your own will pay for the remaining five thousand dollars. Depending on where you are at, the way this is handled could be different. For example, if  insurance law requires that under insured motorist coverage be added on, then it will happen much like this:

If your under insured motorist coverage is for, say sixty thousand dollars, and their bodily injury liability is twenty five thousand dollars, then the two amounts will be put together to make eighty five thousand dollars, and that will be your coverage.

However, in other areas they deduct. If this is the case with you, the with the above coverages, you would only have the sixty thousand dollars of coverage.

As for uninsured motorist coverage, it covers bodily injury as well, although there is no additional coverage to be added to it. If you want your damages to be fixed, then you should have collision coverage.

If there is more than one car on your insurance policy, then you can add more to your coverage by stacking your policies. So, instead of having sixty thousand dollars of coverage, you would have a hundred and twenty thousand.

In Georgia, like in any other state, accidents happen, fenders get bent, people get hurt. So when disaster strikes, auto insurance is there for you to protect you.

Why should you purchase an insurance?

1. Car insurance protects you from any financial risk with any injuries and property damage that are caused by accidents. This may also include any acts of nature, theft and vandalism.

2. It is mandatory in Georgia that all motorist should have the minimum liability coverage. Other types of coverage may be optional or required depending on the regulation of the state.

3. If you have an outstanding car loan, you will be required by the car lender to have a minimum liability coverage of car insurance.

If you are having a hard time paying your high premiums on your car insurance, it is best to know what are the factors that affects your insurance premiums. Your age, the state where you live, where your car is garaged, the model of your car, and your driving record are just some of the factors that determine your insurance rate.

Here are some of the things that may help you lower your insurance rate:

1. increase your insurance deductibles
2. ask for any available discounts
3. avoid purchasing a vehicle that is prone to theft or vandalism
4. Keep your car safe in the garage
5. eliminate optional coverage
6. maintain a good driving record by driving safely

MariCAR