If you've received tickets for moving violations or been cited for driving without insurance coverage, you may be required to purchase SR-22 bond insurance from an approved agency in the state of Ohio. While this is nothing to fear, many drivers who are seeking this certificate for the first time may have a few questions. Below is a brief overview of what to expect and what your responsibilities are.
A Guide to Understanding SR-22 Bond Insurance in Ohio
What Is SR-22 Bond Insurance?
The SR-22 is not insurance; it is a form submitted by your agent to the Ohio Bureau of Motor Vehicles attesting to the fact that you have purchased at least the minimum amount of legally required auto insurance. In addition to insurance costs, you will need to pay for the bond and any fines attached to it by the state.
Why Must You Buy SR-22 Bond Insurance?
Typically, the Ohio BMV requires people to purchase a SR-22 if there's reason to believe you may attempt to drive without insurance. For instance, if you've been cited for driving while uninsured in the past, you'll likely have to prove you're covered before you're permitted to drive again. Also, if you've accumulated numerous moving violations or been arrested for a serious driving infraction like a DUI or reckless driving, the increased cost of insurance may be enough to cast doubt on your willingness to maintain coverage.
What Happens If You Let Your Auto Insurance Lapse on an SR-22?
If you allow your auto insurance to lapse, your insurer is obligated to report it to the Bureau of Motor Vehicles. The BMV could then suspend or revoke your license and levy additional fines. Even if you do not drive or own a car, you must nevertheless file a "non-owner" SR-22 form to comply.
If you require SR-22 bond insurance, contact Ohio Insurance Center Agency in Cincinnati, OH. They help higher risk drivers purchase auto insurance and get back on the road, and they've been serving customers in and around Hamilton, Butler, and Warren Counties for more than 40 years. Visit their website to submit an information request, and call (513) 522-6300 to request a free insurance quote.