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Georgia SR22A Insurance

The SR-22A is a term used in Georgia for a GA Responsibility Insurance Certificate; it is similar to a SR-22, except it has further restrictions or is needed under specific circumstance. This financial responsibility filing can be required of a motorist in the state of Georgia if the individual has been convicted of operating a vehicle without liability insurance or other certain traffic infractions. In Georgia, it is usually required for an unsatisfied judgment (SR22A).

If you do not own a vehicle, you will need to purchase non-owner Georgia SR22A insurance. This is a liability policy that will cover other vehicles and drivers in the event of a future accident. It will not cover you or the vehicle you are driving. You will want to make sure that the vehicle you are driving is fully insured by its owner.

In Georgia, the SR22A is also sometimes referred to as Financial Responsibility for the Future. The reasons for an individual to need to retain an SR22A can be found in various sections under Title 40 of the Official Code of Georgia Annotated (O.C.G.A.). The amount of time which an individual will need to carry this coverage will depend upon the reason the filing is mandated. It typically is required for between 1 to 3 years.

For example, if you are trying to reinstate your Georgia license after a suspension due to a second or subsequent conviction of no proof of insurance (unsatisfied judgment) an SR22A must be filed and maintained for 3 years from the date of the conviction. An insurance company must certify that you have in effect a valid liability insurance policy covering the required time span; said certification should be filed on the SR22A form.

In the example above the Georgia Department of Driver Services states that the initial SR-22A filing must be paid in full for a period of 6 months, after the first 6 months the DDS will accept a premium financed SR22A if certain provisions are met.

If you have been notified by the state of Georgia that you must carry an SR22A filing, an insurance company will need to file the form and certify to the state that you have insurance and meet the financial responsibility requirements of the state.

If you were to cancel this insurance policy before the end date that the state has given you to carry the Georgia SR22A, the insurance company will be obligated to file an SR-26 notifying the state of GA that you no longer have the required insurance.