SR 22 car insurance is a financial responsibility and high-risk car insurance. It is a guarantee that the operator of the motor vehicle has the capacity for at least the minimum insurance coverage.
In Georgia specifically, the police officer will require an SR 22 from the driver following a vehicular accident most especially if the cause is something very high-risk such as a DUI or driving under the influence case.
In the State of Georgia, it is illegal to operate a motor vehicle without a minimum mandatory insurance coverage. And when the driver has been in a DUI, and the police officer discovers that there is no SR 22 car coverage, further penalties will apply.
SR 22 car insurance has two kinds of policies-
1. For the owner
2. For the non-owner or simply the operator of the motor vehicle, not necessarily the owner
The car insurer files the SR 22 and a copy is electronically delivered to the Georgia Department of Motor Vehicles.
It is very, very important that the owner and the operator of the automobile does not let the SR 22 car insurance time tables lapsed.
In the worst possible light, when the driver is caught in a DUI and that the SR 22 is found out to be expired, the police office may cancel the operating privileges for the said vehicle.
SR 22 car insurance is especially issued to high-risk candidates.
High-risk candidates are basically those drivers who have a tendency for reckless driving (which is highly leading to a DUI case). Now when the driving license is suspended, the operator can get it back by filing for SR 22 car insurance or renewing it if it was filed already before.
Again, it is very, very important to have an up-to-date SR 22 car insurance proof. This will save the operator both time and money.
Georgia has very strict car insurance laws. Different states have different policies pertaining to liability coverage. And if one is found to be in a new state and is expected to drive a motor vehicle there, it is the driver's responsibility to immediately know firsthand the liability coverage laws in that area.
Faced with a DUI conviction and rising insurance bills? Visit Georgia SR-22 Insurance and find out how you can keep your insurance rates from going sky-high. DUI car insurance is expensive, but you can save on DUI car insurance if you know the secrets.
