In Ohio, drivers convicted of operating a vehicle while intoxicated (OVI) may need to apply for SR-22 insurance. Understanding the obligations associated with this can help you avoid future complications with the court. As a trusted provider of high-risk insurance in Fairfield, OH, 1st Choice Insurance offers the following guidance on how to remain protected after an OVI conviction.

What Is SR-22 Insurance?

SR-22 insurance is a document that verifies you are appropriately covered by insurance. It’s forwarded from your insurance company to the DMV once you receive the document and is required by the state of Ohio after an OVI. Failure to implement the correct insurance after a driving transgression can result in a suspension of privileges. Along with people convicted of an OVI, failing to show proof of insurance to law enforcement and not being insured at the time of an accident can also result in the need for a SR-22 policy.

Are There Different Types?

There are three different types of SR-22 policies currently available. If you own your car, you’ll need to apply for an owner’s certificate, while people driving vehicles owned by others must apply for an operator’s certificate. An owner-operator certificate covers both instances.  

How Long Will I Need This Policy?

The minimum length of time you’ll need to hold an SR-22 policy is three years. Extenuating circumstances may call for the court to require a longer period, which often happens if injuries resulted from the incident. You’re responsible for renewing this insurance every year, and documentation must be submitted by the stated deadlines.

Whether you’re in search of cheap car insurance or are considered a high-risk driver, 1st Choice Insurance will provide you with a wide range of insurance options to protect you on the road. Contact an agent in Fairfield today by calling (513) 860-0666. If you’d like more information on applying for an SR-22 insurance policy, visit their website.