One of the conditions for Ohio license reinstatement is purchasing an SR22 insurance in Ohio policy, a type of high-risk insurance. Once the state requires you to obtain this type of insurance, you must usually carry it for about 3 years.
What’s the purpose of SR22 insurance in Ohio?
An SR22 is a financial responsibility form that’s filed with the Ohio BMV by an insurance provider licensed in your state. The state considers the SR22 filing to be a guarantee of future financial responsibility; therefore, the insurance company that issued the policy closely monitors it. If you cancel the policy or let it lapse during that time, the insurance company reports it to the Ohio BMV. The state suspends your license again, resulting in additional financial penalties and requiring you to restart the reinstatement process.
Ohio SR22 without a car
Can you buy SR22 insurance without a vehicle? Yes. There are two types of Ohio SR22 insurance: owner and non-owner. Owner insurance is for drivers who own a vehicle, and they can purchase it with liability-only or full coverage. Non-owner insurance is for drivers who don’t own a vehicle. In this case, the SR22 insurance in Ohio certificate is an attachment to a non-owner policy. The policy covers one person who occasionally drives a borrowed vehicle. See Non Owner Insurance Coverage for more information about non-driver policies.
Ohio residents have another SR22 option called Broad Form Vehicle Insurance. It can be bought by those who own one or more vehicles and those who own no vehicle. You need to be aware of the strict limitations of this type of insurance.
Why do people have to carry high-risk car insurance?
- DUI offense
- Excessive points against your driving record
- Reckless driving
- Refusal to consent to a DUI test
- Uninsured accidents
- Driving an uninsured vehicle
- Child support issues
- Legal judgments
Additional information about Ohio license suspensions and reinstatement is available on the Ohio BMV website.
Click the quote button or speak with one of our agents to get quick, competitive Ohio SR22 quotes. Contact an UltraCar Insurance agent today for fast filing of your SR22 insurance certificate in Ohio!
