SR-22 insurance is a form of car insurance that is required for drivers who have committed certain offenses, such as driving under the influence or reckless driving. In Ohio, SR-22 insurance is required for drivers who have had their license suspended or revoked. It is important to understand what SR-22 insurance is and how it works if you are required to have it.
What is SR-22 Insurance?
SR-22 insurance is not a type of insurance policy, but rather a certificate that proves to the state that you have the minimum required amount of car insurance coverage. This certificate is filed with the Ohio Department of Public Safety and is often required for drivers who have been deemed high-risk.
The SR-22 certificate is usually required for a certain period of time, often up to three years, depending on the offense that led to the requirement. During this time, you must maintain your car insurance coverage and keep your policy active. If you do not, your insurance company will notify the state and your license could be suspended again.
Who Needs SR-22 Insurance in Ohio?
In Ohio, SR-22 insurance is required for drivers who have had their license suspended or revoked due to certain offenses, such as DUI, reckless driving, or driving without insurance. If you are required to have SR-22 insurance, you will be notified by the Ohio Bureau of Motor Vehicles (BMV).
It is important to note that not all offenses require SR-22 insurance. If you are unsure whether or not you need SR-22 insurance, you should contact the Ohio BMV or your car insurance provider.
How Much Does SR-22 Insurance Cost in Ohio?
The cost of SR-22 insurance in Ohio varies depending on a number of factors, such as the severity of the offense that led to the requirement, your driving history, and the type of car you drive. However, you can expect to pay more for car insurance if you are required to have SR-22 insurance.
It is important to shop around for car insurance if you are required to have SR-22 insurance, as rates can vary significantly between insurance providers.
Frequently Asked Questions
What Happens if I Don’t File an SR-22 Certificate?
If you are required to have SR-22 insurance and do not file a certificate with the Ohio Department of Public Safety, your license will remain suspended or revoked. Additionally, if you are caught driving without insurance, you could face additional penalties and fines.
How Long Do I Need to Have SR-22 Insurance in Ohio?
The length of time that you are required to have SR-22 insurance varies depending on the offense that led to the requirement. Generally, you will need to have SR-22 insurance for a minimum of three years.
Will SR-22 Insurance Increase My Car Insurance Rates?
Yes, you can expect to pay more for car insurance if you are required to have SR-22 insurance. This is because you are considered a high-risk driver and are more likely to file a claim.
Can I Cancel My SR-22 Insurance Once It’s Filed?
No, you cannot cancel your SR-22 insurance once it has been filed. You must maintain your car insurance coverage and keep your policy active for the duration of the requirement period, typically three years.
Can I Get SR-22 Insurance If I Don’t Own a Car?
Yes, you can still get SR-22 insurance in Ohio even if you don’t own a car. You can purchase a non-owner car insurance policy, which provides liability coverage when you are driving a car that you do not own.
Conclusion
If you are required to have SR-22 insurance in Ohio, it is important to understand what it is and how it works. You should shop around for car insurance to find the best rates, and maintain your coverage for the duration of the requirement period. Failure to do so could result in further penalties and fines.
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