Driving under the influence is a serious offense in Georgia, and if you’ve been charged with it, you need to be aware of the consequences. In addition to facing criminal charges and potentially losing your driver’s license, a DUI conviction can also have significant financial ramifications.
If you’re found guilty of a DUI in Georgia, your insurance rates are likely to go up. Insurance companies view DUIs as an indication of reckless behavior and increased risk, which means they will see you as a high-risk driver. As a result, your insurance company may decide to increase your premiums or even cancel your policy altogether.
SR-22 insurance requirements
If you are convicted of a DUI in Georgia, you may also be required to obtain SR-22 insurance, which is a special type of insurance that is often required for high-risk drivers. It’s formally known as the Georgia Safety Responsibility Insurance Certificate. The certification verifies that you have at least the minimum required coverage of $20,000 for property damage, $25,000 for one-person injuries, and $50,000 for injuries to multiple people.
SR-22 insurance is more expensive than standard insurance, and it’s required for a period of time after a DUI conviction. This means that you’ll be paying higher insurance premiums for several years after your conviction.
In Georgia, there is a 90-day waiting period after your initial suspension before you’re eligible for reinstatement. You must keep the policy for at least one year. Your driver’s license can be cancelled if you have a cancellation of the policy within the first three years of obtaining SR-22 insurance.
The consequences of a DUI conviction can also extend beyond just insurance rates. You may also face fines, community service, probation and even jail time, depending on the circumstances of your case. Additionally, a DUI conviction can have long-term consequences, such as difficulty finding employment.
Overall, the consequences of a DUI conviction in Georgia can be severe, both in terms of your finances and your future. If you’re facing DUI charges, it’s important to take them seriously and learn about your defense options as soon as possible.