You need an SR-22 in Ohio for three years after a first offense and five years after a repeat offense. During this period, you must maintain at least the minimum car insurance coverage required by Ohio law. Failure to have an SR-22 for 3-5 years can result in additional penalties and reinstatement fees.
Ohio SR-22 Insurance Requirements
$25,000 in bodily injury liability insurance per person ($50,000 per accident)
$25,000 in property damage liability coverage
When you get SR-22 insurance coverage in Ohio, your insurance company files your SR-22 certification with the state on your behalf. Failing to file an SR-22 can result in your vehicle registration or license being suspended, in addition to costly reinstatement fees. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You’re even required to maintain an SR-22 if you move from Ohio, using an out-of-state filing.
If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.
You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance...
SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.
SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as...
Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.
The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...
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