Dangerous drivers experience many different consequences. For more serious offenses, such as driving under the influence, causing a severe accident, or repeatedly violating traffic laws, there’s a good chance your license will get suspended for a lengthy time. If this happens, you may be required to file for an SR-22 before you can legally drive again.

In some states, this serves as sufficient proof of financial responsibility, but in Ohio, you might also have to acquire SR-22 bond insurance. This is a special kind of liability coverage ensuring you meet the state’s minimum requirements to get back on the road.

Once you have a suspended license on your record, you will be seen as a high-risk driver to most insurance companies, which can make it a challenge to obtain the coverage you need to reinstate your license. If you are ordered to obtain SR-22 bond insurance, this will fulfill your responsibility to carry liability coverage. However, it’s crucial to understand that this is not the same as having an insurance policy, and it won’t cover anything over the minimum liability limits. This means you could be held accountable to pay for any injuries and damages you cause that exceed these limits.

To file for SR-22 bond insurance, you will need to work with a state-approved insurance agency. They will help you shop for bonds and submit your request for a quote and approval. Once you’ve paid for the bond, it will be filed with the Ohio Bureau of Motor Vehicles, and you will be issued a certificate of proof that you have met the requirement to get your driver’s license back.  

The key to getting affordable SR-22 bond insurance is getting multiple quotes from different insurance companies. A qualified agent can help you do this quickly, as they typically know which providers offer the best rates. For residents in the Greater Cincinnati area of Ohio who are obligated to get this high-risk insurance, Ohio Insurance Center Agency is the most reliable place to turn. The team of professionals has helped many drivers purchase bonds and get back behind the wheel promptly. Call them directly at (513) 522-6300, or visit the website to learn more.