Sr22 Insurance Ohio: Everything You Need to Know

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If you’re a driver in Ohio and have had your license suspended or revoked due to a DUI or other conviction, it’s likely that you’re going to need an SR22 insurance policy in order to get back on the road. This type of insurance is required by the Ohio Bureau of Motor Vehicles (BMV) in order to prove that you have liability coverage in case you cause an accident. In this article, we’ll go over everything you need to know about SR22 insurance in Ohio, including what it is, who needs it, and how to get it.

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What is SR22 Insurance?

SR22 insurance is a special type of auto insurance policy that is required by the state of Ohio for certain drivers. It’s sometimes called a “certificate of financial responsibility” and is designed to prove to the BMV that you have liability coverage that meets the state’s minimum requirements. This type of policy is typically required for drivers who have been convicted of a DUI, reckless driving, driving without insurance, or other serious violations.

It’s important to note that an SR22 is not actually an insurance policy itself, but rather a form that your insurance company files with the state on your behalf. This form proves to the BMV that you have the required insurance coverage in place.

How Does SR22 Insurance Work?

When you purchase an SR22 insurance policy, your insurance company will file the form with the state on your behalf. You’ll typically be required to carry this type of coverage for a certain amount of time, depending on the severity of your driving violation. During this time, your insurance company will be required to notify the BMV if you cancel your policy, which could result in your license being suspended again.

In addition to the SR22 form, your insurance policy will also include liability coverage that meets the state’s minimum requirements. This coverage will pay for damages and injuries you cause to other people or property while driving. It’s important to note that SR22 insurance does not cover your own injuries or damages in the event of an accident.

Who Needs SR22 Insurance in Ohio?

Not all drivers in Ohio are required to have SR22 insurance. You may need this type of coverage if you:

  • Have been convicted of a DUI or other serious driving violation
  • Have been caught driving without insurance
  • Have been involved in an accident without insurance
  • Have had your license suspended or revoked for any reason

If you’re unsure whether or not you need an SR22 policy, it’s best to contact the Ohio BMV directly or speak with an experienced insurance agent who can advise you on your specific situation.

How to Get SR22 Insurance in Ohio

Getting an SR22 insurance policy in Ohio is similar to getting any other type of auto insurance. You’ll need to provide your insurance company with certain information, including your driving record and proof of insurance coverage. Your insurance company will then file the SR22 form with the state on your behalf.

It’s important to note that SR22 insurance can be more expensive than standard auto insurance, due to the fact that it’s typically required for drivers who have had serious driving violations. It’s a good idea to shop around and compare rates from different insurance providers in order to find the best deal.

FAQ: Frequently Asked Questions about SR22 Insurance in Ohio

Do I Need to Get SR22 Insurance If I Move to Ohio?

If you’re moving to Ohio and have had your license suspended or revoked in another state, you may still be required to get an SR22 policy in Ohio. It’s best to check with the BMV to determine whether or not this is necessary.

How Long Do I Need to Carry SR22 Insurance?

The length of time you’ll be required to carry SR22 insurance in Ohio depends on the severity of your driving violation. In most cases, you’ll need to carry this coverage for at least three years after your license has been reinstated.

Can I Cancel My SR22 Insurance Policy?

You can cancel your SR22 insurance policy, but it’s important to remember that your insurance company is required to notify the BMV if you do so. If your policy is canceled, your license may be suspended again.

How Much Does SR22 Insurance Cost in Ohio?

The cost of SR22 insurance in Ohio can vary depending on a number of factors, including your driving record, the type of car you drive, and the insurance company you choose. It’s important to shop around and compare rates in order to find the best deal.

What Happens If I Don’t Get SR22 Insurance?

If you’re required to get SR22 insurance in Ohio and fail to do so, your license will remain suspended. Driving with a suspended license can result in serious legal consequences.

Conclusion

Getting SR22 insurance in Ohio can be a complex and confusing process, but it’s an important step if you want to get back on the road after a serious driving violation. Be sure to shop around for the best rates, and make sure you understand how long you’ll need to carry this type of coverage. By taking these steps, you can ensure that you’re meeting the state’s requirements and getting the coverage you need to protect yourself and others while driving.

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