The Georgia Affidavit of Financial Responsibility, also known as an SR-22 form, is a document that serves as proof of insurance coverage for individuals who have been involved in specific traffic violations or have had their driver's license suspended or revoked. This document is filed with the Georgia Department of Driver Services (DDS) to reinstate driving privileges and fulfill legal requirements. The purpose of the Georgia Affidavit of Financial Responsibility is to guarantee that drivers have the necessary auto insurance coverage to compensate for any damages or injuries that may be caused by their vehicle. This document ensures that drivers are financially responsible for any future accidents they may be involved in. When a driver is required to submit the Georgia Affidavit of Financial Responsibility, they must contact their insurance provider, who will then issue the form on their behalf. It certifies the individual's current auto insurance coverage, including liability limits, effective dates, and policy numbers. In Georgia, there are two main types of Affidavits of Financial Responsibility: 1. Operator's Certificate: This type of affidavit is required for drivers who do not own a vehicle but still need to have insurance coverage. Operators may need to obtain this certificate if they frequently borrow or rent vehicles. 2. Owner's Certificate: This type of affidavit is required for drivers who own and register a vehicle. It verifies that the owner has the necessary auto insurance coverage for their registered vehicle. It's important to note that the Georgia Affidavit of Financial Responsibility is not a form of insurance itself; rather, it is a form filed with the DDS to serve as proof of insurance coverage.