If you've been stopped while driving without insurance or arrested for drunk driving, you may be required to file an SR22 with the state. Typically, the first time it's instituted, this requirement lasts for three years. 1st Choice Insurance, the leading provider of SR22 insurance in Fairfield, OH, reveals some of the frequently asked questions about filing an SR22 to retain your driving privileges.

Answers to FAQ on SR22 Insurance

1. What Is an SR22?

An SR22 is a bond you purchase from a car insurance company, which then guarantees to the state that you are compliant with the minimum state insurance requirements. The bond permits you to maintain your driving privileges under state law.

2. Why Is an SR22 Necessary?

The SR22 is required for drivers who have been caught driving without insurance, or who have been arrested for a serious moving violation that could make the purchase of insurance otherwise expensive or difficult. The requirement is an effort by lawmakers to ensure all drivers maintain minimum amounts of liability coverage.

3. What Happens if You Let Insurance Lapse While the SR22 Is in Place?

If coverage should lapse while the SR22 is in effect, your insurer is obligated to inform the Ohio BMV, and you will face penalties. The state may revoke your driver's license and even impound your car for 60 to 90 days.

4. How Will an SR22 Affect Your Insurance Rates?

The fact that you have been required to purchase SR22 insurance indicates you are a high-risk driver, so there is a good chance your rates will increase. The amount varies by insurer and your driving history. However, the high-risk status will likely stay in place for at least three years, during which you'll pay more for coverage.

If the state of Ohio requires you to purchase SR22 insurance, contact the team at 1st Choice Insurance in Fairfield, OH. They specialize in helping high-risk drivers stay on the road, providing high-risk insurance, SR22 bonds, and other car insurance services. Visit their website to view business hours and a map of their offices, or call (513) 860-0666 to request an auto insurance quote.