SR-22 in Dayton, OH
If you’re facing legal or financial challenges related to driving in Ohio, you might have heard about SR-22 insurance. An SR-22 is not an insurance policy itself but rather a certificate of financial responsibility required by the state. It serves as proof that you carry the minimum required auto insurance coverage.
In Ohio, this form is typically mandated by the Bureau of Motor Vehicles (BMV) or a court following certain violations. It’s important to note that SR-22 insurance is a legal requirement, not an insurance plan, and your regular auto insurance provider will file the SR-22 on your behalf.
What Is SR-22 Insurance?
SR-22 itself isn’t insurance but a notification of having minimum liability insurance, that refers to the SR22 form, some Ohio drivers must have. Drivers convicted of serious driving offenses, driving without insurance or multiple moving violations may receive notice that they must have an SR-22 form filed with the Ohio Bureau of Motor Vehicles.
An SR-22 form demonstrates that drivers are complying with the state’s financial responsibility laws (e.g., by having auto insurance that meets the state’s required minimums), and drivers who have had their driving privileges suspended may need to file an SR-22 to have their privileges reinstated.
When Is an SR-22 Required?
SR-22 insurance is often required under specific circumstances, including the following:
- Driving under the influence (DUI) or driving while intoxicated (DWI) offenses
- Multiple traffic violations or accumulating excessive points on your driving record
- Driving without insurance or a suspended license
- Involvement in a serious accident where you were at fault and did not have adequate insurance
How Long Do You Need SR-22 Coverage?
The amount of time you must maintain an SR-22 filing can vary depending on your situation. In Ohio, you typically need to carry SR-22 insurance for three years. In some cases, such as with repeated offenses or severe violations, this period may be extended.