Ohio SR22 Rules

By Sabah Karimi

  • Overview

    If a person has been convicted of certain types of traffic violations and has difficulty obtaining standard insurance, he may be able to get insurance coverage with an SR22. Ohio is one of several states in the United States that allows drivers to carry an SR22 in lieu of insurance; this document serves as proof of the driver's financial responsibility. If she is involved in an accident, the SR22 can help to pay for a portion of the expenses.
  • Significance

    Ohio requires all motorists to have a minimum amount of liability coverage in order to drive a vehicle. If an individual does not have car insurance, he can meet the state minimum amount of liability by obtaining an SR22 from an insurance provider. The SR22 is not insurance but does offer basic coverage of damages in the case of an accident. An SR22 works like a bond for coverage and is processed through the State of Ohio Bureau of Motor Vehicles.
  • Features

    The SR22 Bond in Ohio covers a liability of $32,500; this covers $12,500 for one person who may be injured in an accident, $25,000 for two people injured in the accident, and $7,500 for any property damage that occurred during the accident. SR22s do not provide additional coverage for physical damage of the vehicle and does not offer uninsured motorist protection. The filing fee for Ohio SR22s costs between $15 and $30.

  • Benefits

    Applying for an SR22 involves completing a simple form and sending it electronically to the State of Ohio Bureau of Motor Vehicles through an insurance provider. An SR22 offers several benefits for those who do not qualify for car insurance or for those who cannot afford to pay the high price of the premium. If a driver has committed serious traffic violations such as DUIs or driving without insurance, they may still be able to drive legally with an SR22.
  • Considerations

    If an Ohio driver with an SR22 moves to another state, she must fulfill the SR22 filing period for Ohio, even though she is no longer an Ohio resident. SR22s may have a different value in other states. For example, in Texas and Georgia, an SR22 is issued to only those who are repeat traffic violators. These bonds typically have a 6-month repayment term. In other states, an SR22s and similar policies are only available for drivers who drive certain types of cars.
  • Misconceptions

    An SR22 is not an insurance policy, it is only proof from an insurance provider that the driver has some level of financial responsibility toward another driver in case of an accident. The SR22 works more like a bond, giving drivers a chance to meet the state minimum required amount of liability for driving a vehicle legally and responsibly in the state of Ohio. There are several insurance companies around Ohio that can file an SR22 on a driver's behalf with the Ohio Bureau of Motor Vehicles, but a driver can also visit the Ohio Bureau of Motor Vehicles website or office to handle the process himself.
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