In many states, including Ohio, drivers with poor records or serious moving violation convictions are often required to purchase SR22 auto insurance before regaining their driving privileges. If you are unfamiliar with the process, Custis Insurance Service, the most trusted and experienced insurance broker in Sheffield Lake, explains what SR22 insurance is and why you might be required to purchase it.

What Is SR22 Insurance?

Although it is commonly known as SR22 insurance, this document is a bond, not a true insurance policy. Your insurance carrier will file this bond with the state to verify that you are compliant with the state's minimum auto insurance requirements. This helps the state keep track of high-risk drivers and ensures they are covered while on the road. The purpose of SR22 insurance is to promote the safety of all drivers by enforcing the responsibility of purchasing liability insurance. In fact, the initials in the SR22 bond's name stand for "safety" and "responsibility."

Why Do You Need SR22 Insurance?

Drivers may be required to file an SR22 bond with the state after accumulating a certain number of points on their license or being convicted of driving under the influence. The Ohio Bureau of Motor Vehicles may also require proof of insurance compliance if your license was revoked for any reason or if you were found to be driving without insurance. Choosing not to file the bond puts you at risk of a hefty fine and license revocation if you are caught operating a vehicle. A second violation increases the fine and extends the period you're not allowed behind the wheel.

If you've been notified that you must file an SR22 bond, Custis Insurance Service, the premier insurance agency in Sheffield Lake, OH, can help you purchase this type of auto insurance and will file paperwork guaranteeing your compliance with the state. Visit their website for more information about their services, and call (440) 949-­7171 to request an insurance quote.