Georgia Car Insurance Law on SR22
Reader’s Question:
Can you tell me the law in Georgia regarding SR22?
Mike
Atlanta GA
In the US alone, different states have various laws and regulations with regards to Driving under the Influence or DUI. In Georgia car insurance law, it is unlawful to have a vehicle without car insurance coverage. Permitting an individual without insurance operate a vehicle is likewise illegal.
In Georgia car insurance law, the minimum required liability coverage is as follows:
1. $25,000.00 for bodily injury liability per person per accident-
2. $50,000.00 . for bodily injury liability for two or more persons per accident
3. $25,000.00 for property damage per accident
The law enforcement officer will request the driver to show proof of mandatory liability insurance. IDs or papers from the insurer have to be presented.
If the insurance has lapsed at the time of the accident, the Georgia Department of Motor Vehicles will suspend the your drivers license until insurance policy has been renewed.
If you have been convicted of DUI, you will be required to get a special kind of car insurance called SR 22. This SR22 is a certificate that shows proof proof of financial responsibility of the driver. It’s an assurance that the driver will keep the minimum liability insurance coverage required by the state.
Georgia SR22 Auto Insurance Tips For Lower Rates
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.
Can I Get a Copy Of My Driving Record In Georgia?
Reader’s question:
Can I get a copy of my Georgia driving record if I go to the local Georgia Department of Motor Vehicles? Will they be able to get my traffic tickets from my previous residence from a different state 2 years ago?
Matt
Good question.
The Georgia DMV does not allow you to obtain a copy of your driving record. But you may be able to download a non certified copy of your driving record through the DDS website or you may go to the DDS customer service center.
You will be needing your driver’s license number, a date and birth and a password where you can request online before you can download the information you need. There is also a fee that you will need to pay. It is $5 for 3 year record and $7 for a 7 year record. Remember that it is only a non certified copy of your driving history.
Your Georgia driving record can also be purchased in person at the DDS customer service center with proper identification. You also have the option to send a request through mail. You will need to submit a notarized letter requesting either the 3 or 7 years of your driving history and provide other information so the DDS can process your request.
You can call DDS to get more information if you want to use this option.
Goodluck!
MariCAR
Loading ...