SR22 Insurance is an insurance policy required in many states for drivers that are considered to be a high risk. Georgia uses it as a way of showing financial responsibility for those drivers who have been charged with either one or more driving offense.

In Georgia SR22 insurance needs to be purchased by drivers who have had a DUI or a DWI. It is also needed for those with repeated violations, for those who have let many tickets accumulate without paying them, a suspended license, and a license that has been revoked. The driver is responsible for filing a SR22 form, which can be done electronically in some states.

Most insurance companies provide this kind of policy, and there are also some that specialize in it. As with most states the SR22 insurance must be held for three years without interruption, but this can also change depending on what the violation is. If there is any lapse in coverage, or if you decide to cancel the policy, the insurance company is required to send the state of Georgia a notice. A lapse in coverage means that at a minimum the state can suspend the drivers license again, but there is also the possibility of other penalties. It will also start the 3 year period of required coverage all over again.

In the state of Georgia, SR22 insurance is usually required even after the first offense. If a driver has several offenses, Georgia is one of the few states that requires is SR22A insurance. This is the same concept as SR22, but it has even more restrictions.