Basic Georgia Car Insurance Information
In America alone, various states have their own laws and regulations regarding DUI. In Georgia, for instance, first of all, it’s unlawful to possess a car without liability insurance. Allowing an individual with no insurance coverage operate the car is likewise illegal.
In Georgia the minimum required liability coverage are the following:
1. A single accident, per person physical injuries – $25,000.00
2. A single accident, 2 or more persons physical injuries – $50,000.00
3. A single accident, property damage – $25,000.00
Whatever the case, the law enforcement officer will request the motorist for proof of required liability insurance. IDs or documents from the insurance provider should be presented.
When the insurance policy has lapsed in the time of the accident, the Georgia Department of Motor Vehicles will suspend the drivers license of the operator until insurance coverage has been presented.
So with DUI scenarios, law enforcement officer would require a specific type of automobile insurance known as SR 22 car insurance. SR22 car insurance is a proof of financial responsibility of the driver. It’s an assurance that the driver will maintain the minimum insurance plan for a specific period of time.
SR 22 car insurances are unique car insurance such that the DMV and the auto insurance companies classify particularly those high-risk motorists that require this high-risk insurance.
High-risk drivers are generally the ones that display bad driving practices. Demographics like the gender and age assist insurance companies decide on whether or not to issue SR 22 car insurance.
There are two types of SR22 car insurance policies-
1. Owner policy – This is the type of policy for the car owner. This is issued with collision and comprehensive coverage among other additional coverage.
2. Non-owner policy – This type of policy are for drivers who does not own a car. The car insurance provider files the SR 22 after which the Georgia Department of Motor Vehicles will receive a copy as well.
The Georgia DMV determine the time table the effectivity date of the SR 22. All this is dependent on the gravity of the violation. A DUI conviction could take many years.
It is vital that the SR 22 car insurance is not lapsed or cancelled until teh DMV inform you that you may no longer need the SR22 on file. Additional fees and penalties will be applied to the driver if the SR 22 car insurance is not renewed.
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