If you are a driver in Ohio who has had a driving violation, you may be required to carry SR22 insurance. This type of insurance is required by the state to prove that you have sufficient coverage for your vehicle. In this article, we will go over everything you need to know about Ohio SR22 insurance, including what it is, how to get it, and how much it will cost you.
What Is Ohio SR22 Insurance?
Ohio SR22 insurance is a type of car insurance that is required by law for drivers who have had a driving violation. This type of insurance is also known as a Certificate of Financial Responsibility (CFR), and it is meant to prove that you have the proper amount of insurance coverage for your vehicle. In Ohio, you may be required to carry SR22 insurance if you have been convicted of certain offenses, including:
Offense |
Insurance Requirement |
Driving under the influence (DUI) |
SR22 filing for 3 years |
Driving without insurance |
SR22 filing for 3 years |
Driving with a suspended license |
SR22 filing for 3 years |
If you are required to carry SR22 insurance, you will need to purchase an insurance policy that meets the state’s minimum coverage requirements.
How Does Ohio SR22 Insurance Work?
Once you purchase an SR22 insurance policy, your insurance company will file an SR22 form with the Ohio Bureau of Motor Vehicles (BMV) on your behalf. This form is a certificate that proves you have the required amount of insurance coverage for your vehicle.
You will need to maintain your SR22 insurance policy for a specified period of time, usually three years. If you fail to maintain your policy or if you let it lapse, your insurance company will notify the BMV, and your driver’s license may be suspended.
How to Get Ohio SR22 Insurance
If you need to purchase SR22 insurance in Ohio, you will need to contact an insurance company that offers this type of coverage. Not all insurance companies offer SR22 policies, so it is important to do your research and find a company that can meet your needs.
To get an SR22 policy, you will need to provide your insurance company with information about your driving record, including the offense that led to your SR22 requirement. The insurance company will then provide you with a quote for your policy.
Keep in mind that SR22 insurance can be more expensive than traditional car insurance, so it is important to shop around and compare quotes from multiple insurance companies.
How Much Does Ohio SR22 Insurance Cost?
The cost of Ohio SR22 insurance can vary depending on a number of factors, including your driving history, your age, and the type of vehicle you drive. However, most drivers can expect to pay at least $500 per year for their SR22 policy.
Some insurance companies may require you to pay the full amount of your policy up front, while others may allow you to pay in installments. Be sure to ask your insurance company about their payment options.
Frequently Asked Questions About Ohio SR22 Insurance
Q: How long do I need to carry SR22 insurance in Ohio?
A: In Ohio, most drivers are required to carry SR22 insurance for three years. However, the exact length of time that you need to carry SR22 insurance can vary depending on your offense.
Q: Can I cancel my SR22 insurance policy once I no longer need it?
A: Yes, once you have fulfilled your SR22 requirement, you can cancel your policy. However, it is important to make sure that you have met all of the state’s requirements before canceling your policy.
Q: What happens if I let my SR22 insurance policy lapse?
A: If you let your SR22 insurance policy lapse, your insurance company will notify the BMV, and your driver’s license may be suspended. To avoid this, make sure to pay your premiums on time and maintain your policy for the entire required period.
Q: Does SR22 insurance cover damages to my own vehicle?
A: No, SR22 insurance only covers damages that you may cause to other people or their property while driving. If you want coverage for your own vehicle, you will need to purchase additional insurance.
Q: Can I get Ohio SR22 insurance if I don’t own a car?
A: Yes, you can purchase non-owners SR22 insurance if you do not own a car but still need to fulfill your SR22 requirement. This type of policy provides liability coverage when you drive someone else’s car.
Conclusion
If you are required to carry SR22 insurance in Ohio, it is important to understand what it is, how it works, and how to get it. By following the guidelines outlined in this article, you can ensure that you meet the state’s requirements and maintain your driving privileges.
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