Do I Have To Pay For SR22 Auto Insurance if I am not Using my Car?
Q: Last year I got into an accident without insurance and now I have to get SR22 filing done. The problem is, right now I’m going through a difficult pregnancy and have to do bed rest. I work from home and don’t get out much, so my car mostly sits there. Do I have to keep paying?
A: If you intend on using your car at all, then you will need to keep up with your SR22 filing until the three year filing period is over. If you don’t think you’ll be using your car, call up your local Georgia DMV and ask about canceling your insurance and what the consequences will be. If you will use your car from time to time, you have options to decrease your payload.
One of these options is the low mileage discount, which suits your case very well. If you drive less than 5,000 miles a year, or less than 40 miles a day, depending on your company, most companies will offer you some kind of discount on your SR22 filing, ranging from 5-10%. Do a little bit of math to see if you drive little enough to fit this discount, but call your car insurance company first to see how they do the count.
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