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Georgia Non Owner SR22A

Georgia Non Owner SR22A

For license reinstatement without a car, you'll file a Georgia non owner SR22A certificate. Start an online quote or call today.

Georgia Non Owner SR22A

Last updated on November 5th, 2020 by

When you don’t own a car and want to apply for license reinstatement, the state requires you to file a Georgia non owner SR22A certificate. The certificate is a rider to a non owner insurance policy written by a licensed insurance provider. Your insurance agent files it with the state to start the reinstatement process. Georgia non owner insurance insures one person rather than a vehicle when they occasionally drive a borrowed car.

Georgia non owner SR22A is high-risk insurance for people who don’t own a vehicle and want to reinstate their suspended driver’s license. You have to pay SR22A insurance premiums in full for a six- month term – there is no monthly payment option.

How do I get a Georgia SR22A certificate?

To start the Georgia license reinstatement process, you’ll choose an insurance provider to write a non-owner insurance policy with an SR22A endorsement. The agent will file your certificate with the Georgia Department of Driver Services (DDS).

The DDS considers your non owner SR22A filing to be a guarantee of future insurance coverage. In most cases, the Georgia DDS requires you to carry this insurance for three years. The insurance carrier for your policy monitors it to make sure it doesn’t lapse or expire during that time. If it lapses, your insurance provider notifies the state by filing an SR26 form. When the state receives the SR26 filing, it immediately suspends your license again.

How does non owner insurance work?

A Georgia non owner SR22A policy provides liability-only coverage in your name only. It insures you when you drive a borrowed vehicle. SR22 non owner insurance is secondary to a vehicle owner’s auto insurance coverage. If you’re involved in an at-fault accident, the vehicle owner’s insurance pays claims first. Suppose there are unpaid claims after the vehicle owner’s insurance reaches its coverage limits. In that case, your Georgia non owner policy covers those claims.

Limitations of non owner insurance

Your Georgia non owner SR22A does not cover you to drive the following types of vehicles:

  • Vehicles owned by others in your household
  • Any car you have frequent access to drive
  • Commercial vehicles
  • Rental cars
  • Employment-related vehicles

Most importantly, non-owner insurance only covers claims made by another party involved if you cause an accident. It does not cover damage to the car you borrowed to drive or to passengers in that car. Only the vehicle owner’s insurance covers those claims. Therefore, it’s crucial to have a proof of insurance document in the vehicle whenever you drive a car owned by someone else.

Georgia Non Owner SR22 Insurance

Are  you a new resident of Georgia with an active SR22 filing in another state? To stay in compliance with that state’s requirement, please read about Non Owner SR22 Georgia insurance.

Learn more details about Georgia license reinstatement on the Georgia Department of Driver Services website.

An UItraCar Insurance agent will find you SR22A non owner insurance coverage at the lowest possible rate. We’ll file your certificate quickly, so you’ll be able to drive as soon as possible. Click the quote button to start your Georgia non owner SR22A quote, or talk with one of our agents today!

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