A: An SR22 is a form which your auto insurance company will file with the department of motor vehicles and serves as proof that you are insured. It must be filed for a period of three years after your license suspension so long as you want your license back. If you don’t want your license, you don’t have to worry about it, but otherwise it’s the law. If you need your license, but don’t own a car, then instead you will have to file an non owner SR22 policy.

Your Atlanta non owner SR22 policy only applies to cars you do not own, so if you decide to go ahead and buy your own car, it won’t work for you and you’ll have to get another kind of policy. However, beyond that, your non owner insurance will cover you for any car you drive, regardless of whether or not that car is itself insured.

However, your Atlanta non owner SR22 policy only works for liability coverage and nothing more.

A: When you don’t own your own car, you may find yourself in a position where you still need to drive. In most cases, you would get by fine without your own car insurance policy so long as you chose to drive cars which were insured themselves, because if the car is insured then the driver often is as well. However, if you have had your license suspended for some infraction or another, then you will need to have your own separate policy if you want your license back, whether you own a car or not.

Non owner Atlanta GA SR22 insurance would be what you would get in this place. Such insurance is limited, though, since you can only get liability and won’t be able to add on comprehensive, medical coverage, or collision insurance. Since the cars you drive will be varied and can’t be used in rating your premium, your costs for non owner Atlanta GA SR22 will be a little bit higher than they would be if you had a regular policy.

If you don’t want to pay for non owner Atlanta GA SR22 insurance, then you could just opt to wait three years before renewing your license. If you decide not to drive during the probation period, then you won’t ever have to file SR22 insurance.