Understanding SR-22 Insurance in Georgia: A Comprehensive Guide

In Georgia, if you’ve been convicted of a major driving offense, you may need to file an SR-22 or FR-44. Let’s break down what these forms are and when you might need them:

1. What Is SR-22 Insurance in Georgia?

• An SR-22 is a form that your car insurance company files with the state to prove that you have purchased liability car insurance coverage that meets Georgia’s minimum requirements.

• It’s not insurance itself; rather, it’s a certificate of financial responsibility.

2. When Do You Need SR-22 Insurance in Georgia?

You may be required to have SR-22 insurance in Georgia for reasons such as:

• Causing a car accident while driving without insurance.

• Causing multiple car accidents.

• Driving under the influence of drugs or alcohol.

• Failing to pay court-ordered child support.

• Having a hardship license due to a license suspension or revocation.

• Reinstating your license after suspension or revocation.

• Serious traffic offenses (e.g., reckless driving or repeat violations).

3. SR-22 Requirements in Georgia

To meet SR-22 requirements in Georgia, your liability car insurance must have at least the following coverage:

• Bodily Injury Liability:

  • $25,000 per individual hurt or killed during an accident

  • $50,000 for more than one individual in an accident

• Property Damage Liability:

  • $25,000 per accident

4. FR-44 Insurance in Georgia

• An FR-44 is similar to an SR-22 but has stricter liability car insurance requirements.

• It is only used in Georgia and Virginia.

• An FR-44 is required if you are convicted of driving under the influence of drugs or other intoxicants.

5. FR-44 Requirements in Georgia

To meet FR-44 requirements in Georgia, your liability car insurance must have at least the following coverage:

• Bodily Injury Liability:

  • $100,000 per individual hurt or killed during an accident

  • $300,000 for more than one individual in an accident

• Property Damage Liability:

  • $50,000 per accident

Remember, responsible driving and compliance with state regulations are essential for a smooth journey on Georgia’s roads.

Sources:

1. Policygenius: SR-22 Insurance in Georgia

2. Southern Harvest Insurance: All About SR-22 Insurance in Georgia

3. RateForce: SR-22 Insurance in Georgia

4. Insurance.com: SR-22 insurance in Georgia