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Got a DUI & I Need SR 22 Car Insurance in Georgia

Published Wednesday, October 8, 2008 by bloggerblognet4542 | E-mail this post

In the United States alone, different states have different laws pertaining to DUI. In Georgia, for example, first and foremost, it is illegal to have an automobile vehicle (even golf carts) without liability insurance coverage. Letting a person without insurance drive the vehicle is also illegal.

The state of Georgia refers to them as mandatory liability coverage. The minimum mandatory liability coverage for Georgia is as follows:

1. One accident, one person physical injuries - $25,000.00
2. One accident, two or more persons physical injuries - $50,000.00
3. One accident, property damage - $25,000.00

In any case, the police officer will ask the driver for proof of mandatory liability coverage. IDs or papers from the insurance company must be presented.

If the insurance has lapsed during time of accident, the Georgia Department of Motor Vehicles shall suspend the vehicle operator's privileges or driving license until insurance has been renewed.

Now with DUI situations, the police officer would need a special kind of auto insurance called SR 22 car insurance or a high-risk auto insurance. This is proof of financial stability of the vehicle operator. It is a guarantee that the driver will keep the minimum insurance coverage for a given time.

SR 22 car insurances are special auto insurance such that the Department of Motor Vehicle and the car insurers classify especially those high-risk drivers that need this high-risk insurance.

High-risk drivers are basically those that exhibit poor driving habits (which can lead to DUI). Demographics such as the gender and age help insurers settle on whether to issue SR 22 car insurance.

SR 22 car insurances have two types of policies-

1. Owner policy - This is the policy for the owner of the motor vehicle. This can be issued with comprehensive coverage and others, of course with additional premiums to pay.

2. Non-owner policy - This is for the operator of the motor vehicle but not necessarily the owner. The car insurance company files the SR 22 and then the Georgia Department of Motor Vehicles also gets a copy. Motorcycles are also covered by the SR 22.

The Georgia Department of Motor Vehicles decide the time table as to which the SR 22 takes effect. All of this is based on the gravity of the infringement. Something like a DUI could take years.

It is very important that the SR 22 is not lapsed. Further penalties can and will be applied to the motor operator if the SR 22 is not renewed.

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.

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Got a DUI & I Need SR 22 Car Insurance in Georgia

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