Georgia License Reinstatement After Unpaid Tickets

Pays for injuries and property damage you cause to others. If you're reinstating after an unpaid-fines suspension, proof of current liability coverage is required before the Georgia Department of Driver Services will process your reinstatement application.

Covers your injuries when an at-fault driver has no insurance. You must reject UM coverage in writing at policy inception or it is automatically added to your policy at the same limits as your liability coverage.

Not a separate coverage type—this refers to obtaining or maintaining a liability policy that satisfies Georgia's minimum requirements during the reinstatement process. If your policy lapsed during the suspension (common when drivers stop paying premiums after losing their license), you must secure new coverage before applying for reinstatement. Non-standard carriers in Georgia—such as The General, Acceptance, and Direct Auto—write policies for drivers with suspended licenses more readily than standard carriers.

SR-22 is a certificate filed by your insurer proving you carry continuous liability coverage. Georgia does NOT typically require SR-22 for unpaid-fines suspensions—only for DUI, uninsured accidents, excessive points, or driving on a suspended license. If you were caught driving during your unpaid-fines suspension, the Georgia Department of Driver Services may add an SR-22 requirement as a condition of reinstatement. That converts your case from a simple fines-cause suspension to a compound violation requiring SR-22 for 3 years.

Non-standard carriers specialize in insuring drivers with suspensions, lapses, or violations.