Released on: October 27, 2008, 1:32 am

Press Release Author: Webb & D'Orazio

Industry: Law

Press Release Summary: All automobiles in Georgia must have mandatory liability
insurance coverage and if they are high-risk drivers, they must also have an SR22.


Press Release Body: In Georgia all drivers must have accident coverage and that
will range from $25,000 for one person to cover physical injuries for one accident
to $50,000 for one accident that covers two or more people being injured. There is
also one accident with property damage that clocks in at $25,000.


If stopped for a suspected DUI offense, the police will ask for proof of mandatory
liability coverage and any other identification they deem necessary. If proof is not
produced or coverage has lapsed, the driver's license is suspended until current
proof of insurance is obtained.


Your license isn't the only thing the police ask for when you are stopped for DUI.
They will also want to see something called an SR 22. This is particularly for
high-risk drivers with a record of offences.


Call it high-risk auto insurance that acts as proof of the financial stability of
the driver. It basically boils down to a guarantee the driver will keep the minimum
insurance coverage for a certain period of time. This is a smart move for the state,
as it means all DUI drivers involved in accidents will be insured.


High-risk drivers are those who have demonstrated poor driving habits, often a
precursor to DUI. In addition, the state studies gender and age to assist insurance
companies in deciding who will receive SR22 coverage.


There are usually two kinds of policies for SR22 coverage. The first is an owner
policy for the car's owner. It is usually issued with comprehensive coverage and
means paying extra premiums. It might be nice to have a clean driving record and
save some money on premium payments.


The other type of policy is for the driver of the vehicle, but not necessarily the
owner. Motorcycles are also covered by the SR22. In all instances where a driver is
mandated to carry SR22 insurance it must be current and must be presented when the
police ask to see it.


In most instances when pulled over for a DUI ask to speak to an attorney immediately
and do not perform any of the roadside tests. Doing so only gives the state more
evidence to hang the motorist. However the state will move to have your license
suspended for a year. If your lawyer contests the suspension within 10 days after a
refusal to blow, it may prevent the suspension for going through.


To learn more, visit http://www.webbdorazio.com.

Web Site: http://www.webbdorazio.com.

Contact Details: 9280 Bay Plaza Blvd Suite 706
Tampa, FL 33619
1.813.600.3017