If your driver’s license is under suspension or revocation, you must file for an SR-22 insurance certificate. The Ohio Bureau of Motor Vehicles (BMV) requires these documents, but your insurance company will make it easy to register for it. Below are a few of the most common questions about SR-22 insurance.

FAQ About SR-22 Bonds

What is SR-22 insurance?

SR-22 insurance is a document that states your vehicle has insurance after a revoked or suspended license. Technically, it is not insurance, but proof for the BMV that your auto insurance company is covering you for the minimum liability amount.

Why do you need an SR-22 bond?

After losing your license, you must follow the state laws to get it back. The court will order it if you have a hearing. You will most likely need to acquire this coverage if you have a conviction of DUI or DWI, driving without insurance or valid ID, several accidents in which you were at fault, or multiple speeding tickets or other offenses.

SR-22 insurance is a temporary necessity to prove to the BMV that you are obeying the law and earning back your right to drive. If you already have an auto insurance policy, you do not need to purchase a new plan, as you can add the certificate to your existing one. If you do not have auto insurance, you must buy a policy, and it can set you up for purchasing auto insurance once you get your license back.

Do you still need SR-22 if you don’t own a car?

You still need to file for a part of the insurance, which is a non-owners policy with an SR-22 certificate. This policy will cover you to drive any vehicles that you do not own. If your spouse owns the car, if you are borrowing from a friend or family member, or if you are driving a business car, you can file for a non-owners policy.

How long do you need an SR-22 bond?

You will most likely need to carry an SR-22 certificate for three years until you can get your license back. You must stay up to date on payments if you opt for a monthly or yearly installments. If you forget to pay, the BMV can suspend your license again.

For more information about obtaining SR-22 insurance, contact 1st Choice Insurance in Fairfield, OH. In addition to car insurance, they also specialize in high risk, motorcycle, and RV insurance. Visit the website to learn more about their services. Call (513) 860-0666 to discuss your needs with a friendly, knowledgeable agent.