In Ohio, if you’ve been convicted of any of several serious driving offenses or if you have been pulled over while operating a vehicle without the minimum level of car insurance, you probably have to file a SR22 insurance form with the Bureau of Motor Vehicles (BMV). First Choice Insurance, the premier car insurance agency in Fairfield, OH, explains below what SR22 insurance is, why you need it, and what it stands for. 

What Is SR22 Insurance?

The SR22 insurance form is not a type of car insurance. Rather, it is a bond your car insurance agency files with the Ohio BMV. It asserts that you have purchased the required minimum amount of liability auto coverage and are up to date on your car insurance payments. The “S” and “R” stand for “safety” and “responsibility,” and the purpose of the SR22 is to make sure that you practice both. If you cancel the policy, your insurance company is legally required to report this fact to the BMV, and you will suffer additional penalties.

Why Do You Need SR22 insurance?

The SR22 requirement was enacted to enforce compliance with Ohio’s minimum car insurance requirements in situations where non-compliance is common. For instance, many people drop their car insurance after a DUI or a reckless driving arrest because their premiums skyrocket. The SR22 requirement prevents this. If you have been caught driving without insurance, the SR22 requirement makes it difficult for you to continue to do so. By adding oversight and additional penalties, the BMV encourages drivers to behave safely and responsibly by purchasing the required minimum insurance.

First Choice Insurance in Fairfield, OH, makes it easy for almost any driver to acquire and maintain appropriate car insurance coverage. They offer low down payments, affordable rates, and second chances to drivers with a sketchy record. Visit their website to view contact info, or call (513) 860-0666 to request a free auto insurance quote.