Who Files the SR-22: You or the Insurance Company?

If you’ve been ordered to carry an SR-22 in Georgia, you may be wondering exactly who is responsible for submitting it. The short answer is that your insurance company files an SR-22 on your behalf, but you play an important role in making it happen.

Understanding how the process works can help you avoid lapses, fees, and license suspensions.

What Is an SR-22 and When Is It Required?

An SR-22 is a certificate of financial responsibility that your insurance company files with the Georgia Department of Driver Services to confirm you carry at least the state-required minimum liability coverage.

Drivers are often required to obtain an SR-22 after:

• A DUI or DWI conviction
• Driving without insurance
• Serious traffic violations or license suspension
• Multiple citations or at-fault accidents

Who Files the SR-22 in Georgia?

Your insurance company files SR-22 directly with the state. You cannot submit it yourself. Your role is to contact your insurer, request the filing and pay any associated filing fee. If your current insurer does not offer SR-22 filings, you will need to find one that does before your license reinstatement can move forward.

How Does the SR-22 Filing Process Work?

Once you request an SR-22, your insurer typically notifies the state electronically. Georgia generally requires that you maintain the filing for three years without any lapses in coverage. If your policy lapses or is canceled, your insurer must notify the state, which can trigger various penalties, including your requirement period restarting.

Get Back on the Road With Confidence

Our team can help you clear up any questions you have about SR-22 and get back on the road with the right insurance coverage. Contact Best Rate Auto Insurance today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.