The state of Georgia legally requires all residents to have auto insurance. Securing a plan isn’t always easy if you’re a high-risk driver or recently had your license reinstated. SR-22 coverage may be the solution if you’re exploring options. The following helpful guide can help you understand and secure a policy.
Understanding SR-22 Insurance
What Is It?
Insurance companies may not want to cover a person following a DUI, points violation, or reckless driving charges, which can keep you from getting your license reinstated. SR-22 insurance plans let your local DMV know that you’re financially able to secure insurance and take the necessary steps to cover yourself. This document is issued by an insurance provider and lists all the details of your coverage to verify that you meet state minimums.
What Are the Types?
There are three types of SR-22 insurance: owner, operator, and owner/operator. An owner’s form is for drivers who own a car and are securing auto insurance for themselves. Operator certificates are for drivers who rent or borrow a car, and the owner/operator is a combination of the two. You’ll still need coverage if you don’t own a car, which is called a non-owner car insurance policy. This covers any damages to a vehicle beyond what the car owner’s primary insurance plan covers.
You’re required by the state to carry this insurance form for three years. You’ll need a plan that meets state minimums—$25,000 per person and $50,000 per accident for bodily injury liability and $25,000 property damage liability. You’ll need equal coverage for uninsured motorist bodily injury and property damage.
What Are the Benefits?
SR-22 ensures you can legally get back on the road and prove that you’re a responsible driver. It means a person can drive to work again, drive for work, and visit friends and family because they’re insured. These plans allow you to improve your driving record, so you can eventually secure a traditional auto insurance plan.
If you’re starting to explore auto insurance, contact Barnes & Howell Insurance in Gainesville, GA. This team works with over 50 insurance carriers and has welcomed clients since 1995. An agent can connect you with personal and commercial auto insurance plans, homeowners insurance, and more. Visit their website to learn more about coverage, or call (770) 718-0202 to request a quote. You can receive more tips by connecting on Facebook.