An SR-22, which is also referred to as a Certificate of Financial Responsibility, is a document that shows a person has the minimum amount of auto insurance required by the laws in their state. This document is usually required after a person has committed some kind of driving infraction. This guide explains more about SR-22s so you can take the proper steps to remain compliant with the law. 

FAQ About SR-22s

Is an SR-22 a type of insurance?

While it’s often referred to as a type of insurance by drivers and insurers, an SR-22 does not actually provide coverage. It is a certificate of insurance that shows that a driver has the minimum coverage required by the state of Ohio, which means they can legally operate a vehicle. 

All Ohio drivers must have minimum liability coverage totaling $25,000 per person for injury or death, $50,000 for the injury or death of two or more people, and $25,000 to cover any property damage that occurs. 

What driving violations warrant an SR-22?

Being convicted of driving offenses like DUI or reckless driving requires an SR-22 certificate. Driving without the proper coverage or being involved in an accident when you lack insurance will also warrant the certificate. You may also be required to obtain an SR-22 if you’re convicted of multiple driving offenses in a short period of time. 

How long will I need an SR-22 certificate?

The length of time can vary based on the reason for the certificate. A minimum of three years applies to all drivers, but more serious issues can involve a longer timeframe. For example, people convicted of drunk driving may need to retain their SR-22 for five years or more. 

Do all insurance companies cover people with SR-22s?

Unfortunately, not all insurers provide coverage to high-risk drivers. Insuring a high-risk driver is more costly for insurance companies, so many choose not to provide such coverage. When insurers do provide high-risk coverage, you may be subject to higher rates. However, drivers can often lower their rates by taking a safe driver's course to receive a discount from their insurer. 

Finding auto insurance in Springboro, OH, after receiving an SR-22 is stressful, but it doesn’t have to be. Patton Insurance Group understands that even good drivers can make mistakes, which is why they make the process of securing insurance as smooth as possible. Accredited by the Better Business Bureau, you can rest assured these agents will do their best to find you affordable coverage. And because they’re an independent agency, they use their relationships with multiple carriers to find clients the best coverage for their needs. Learn more about SR-22s online or call (937) 886-9966 to receive your quote.