If you’ve run into trouble on the road—such as receiving multiple traffic violations, driving uninsured, or being convicted of a serious traffic offense—you might hear about an “SR-22.” Many people are confused about what this document means and whether they must file one in Georgia. While not everyone needs an SR-22, those who do must follow the correct steps to avoid further penalties.
This blog post will explain the basics of an SR-22 in Georgia, why it might be required, and how it affects your ability to drive.
What Is an SR-22 in Georgia?
An SR-22 is technically not an insurance policy. It’s actually a certificate issued by your auto insurer. This document tells the Georgia Department of Driver Services (DDS) that you carry the state-mandated minimum amount of liability coverage. In other words, it’s proof that you meet the financial responsibility laws required to operate a car in Georgia.
There are two types of SR-22 forms in Georgia. One is called a “Georgia Safety Responsibility Insurance Certificate” or SR-22A, and the other is an SR-22. The former generally applies to more serious driving violations.
Once the certificate is on file, authorities know you have the insurance coverage needed if you’re at fault in an accident.
When Might You Need an SR-22?
People often associate SR-22 forms with serious driving violations only, but they can apply to lesser offenses as well.
Here are some scenarios in which you might be required to file:
- Driving without insurance
- Multiple traffic offenses
- DUI or reckless driving convictions
- License suspension or revocation
Not everyone who breaks a traffic law will end up needing an SR-22. The rules depend on the type of offense and how the state handles your case. If you’re unsure, you can check with the Georgia DDS or consult a lawyer for guidance.
How Long Must You Maintain It?
In many situations, drivers who need an SR-22 must keep it active for three years. However, the exact timeframe can vary based on your specific case. During this period, you must maintain continuous insurance coverage.
If your policy lapses for any reason—like missing a payment—your insurer will notify the Georgia DDS, and you could lose your license again. That’s why it’s important to make payments on time and avoid any coverage gaps.
Cost and Impact on Your Insurance
Filing an SR-22 itself isn’t typically expensive—often it’s a modest administrative fee paid to your insurer. The major cost is in your insurance rates. Most insurance companies see an SR-22 requirement as a sign of high risk, so they may raise your premiums. You might also have fewer insurers to choose from if you develop a risky driving record.
It can help to shop around or work with an independent insurance agent to find a plan that meets your needs without draining your bank account. You could also take steps to improve your driving record—like attending traffic school—to show insurers that you’re committed to safer driving habits.
Contact the Personal Injury Law Firm of Bowen Painter Injury Lawyers in Savannah for Help Today
If you’ve been in a collision—especially one that might jeopardize your driving privileges—you may face more serious consequences than just vehicle repair costs. In Georgia, certain violations can lead to license suspension and, eventually, an SR-22 requirement. Whether you’re unsure about the steps needed to restore your license or you’re dealing with an insurer that’s underpaying your claim, an experienced attorney can offer valuable guidance.
Don’t wait to speak with a lawyer who understands Georgia’s traffic and insurance laws. By hiring a professional, you can better protect your rights, avoid mistakes with your SR-22, and pursue the full compensation you deserve if you’ve been hurt in a car accident.
For more information, please contact our experienced Savannah personal injury lawyer at Bowen Painter Injury Lawyers to schedule a free initial consultation today. We have a convenient location in Savannah, GA.
We proudly serve Chatham County, Georgia, and its surrounding areas.
Bowen Painter Injury Lawyers
308 Commercial Drive, Suite 100, Savannah, GA 31406
(912) 335-1909
Open 24/7