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. SR22A insurance premiums must be paid in full for a 6 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 non owner SR22A filing is considered a guarantee of future insurance coverage. In most cases, the Georgia DDS requires you to carry this insurance for three years. Your policy is monitored, and must be maintained without lapse or expiration during that time. If it lapses, your insurance provider notifies the state by filing an SR26 form. When the state receives that filing your license will be suspended 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 vehicle that’s owned by another person. SR22 non owner insurance is secondary to a vehicle owner’s auto insurance coverage. If you’re involved in an at-fault accident, claims are first paid by the vehicle owner’s insurance. If any claims remain unpaid after the primary insurance reaches its coverage limits, your Georgia non owner policy pays them.
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 vehicle 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 borrow to drive, or to passengers in the car. That is covered by the vehicle owner’s insurance. So it’s crucial to have proof that any vehicle you drive is insured by the owner.
You can find out more details about Georgia license reinstatement on the Georgia Department of Driver Services website.
An UItraCar Insurance agent will find non owner insurance coverage at the lowest possible rate. We’ll file your certificate quickly, so you’ll be able to drive during your license suspension. Click the quote button to start your Georgia non owner SR22A quote, or talk with one of our agents today!