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Facts For Ohio SR22 Insurance Requirements

By Jack Bennington

Typically, an SR-22 is required when a person has been caught driving under the influence of alcohol or was driving without auto insurance. Every state has its own guidelines for an SR-22. Ohio SR22 insurance requirements serve two purposes: one, it is to ensure the driver has proper insurance and two: it financially protects other drivers on the road in case of an accident.

This bond serves as a minimum amount of liability insurance a driver has to have. It does not cover costs if the vehicle is damaged due to fire or theft. This only pays for the damages done to the inflicted party. Keep in mind that it only covers the person named on the bond, and no one else.

If you are looking to file this kind of bond, you can not do so directly with the state. You have to file through a licensed insurance company or broker. The licensed broker than files the bond on your behalf.

Moving out of the state before your suspension period is over, does not mean that you are exempt from having this bond. In fact, you must keep the bond issued by an Ohio insurance broker until your suspension is over. Otherwise, you risk getting your license suspended. If you do decide to cancel your policy your insurance company is required by law to inform the state.

Most insurance companies file bonds electronically, so getting a bond can be fairly quick and easy. The entire process may last a few days. However, keep in mind that if your paperwork reaches the state incomplete, it will be rejected and returned to the insurance company. This will delay your ability to get back on the road legally.

If you practice safe and responsible driving you can prevent the hassle of having to deal with an SR-22 in the first place. There are a few preventative measures you can take in order to avoid this. If you know that you are going to a party that involves drinking, make sure to have a designated driver ready when it is time to go home. This will prevent unnecessarily driving while under the influence.

Make sure you at least have the minimum amount of auto insurance coverage your state requires. If you are caught without car insurance you may very well have to purchase a SR-22 bond. Purchasing the minimum amount of coverage available may be an affordable way to get insurance and avoid putting yourself at risk for a SR-22 bond.

Ignoring the rules and guidelines may very well lead you to adhering to Ohio SR22 insurance requirements, and all of the disadvantages associated. This means higher premiums on insurance, and inflexibility on payment. For instance, with regular insurance you are given a grace period from the date your receive your bill. With an SR-22 bond, you do not have that luxury. Your payment must be received on a particular date every month. If not, you will automatically reported to the state as in violation of your bond. This can very well lead to the suspension of your license.

Did you find this information of interest? If you want more information on the regulations regarding SR22 you can find them fast! When you need SR22 insurance, it is important that you get the best coverage available now!

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Article Citation
MLA Style Citation:
Bennington, Jack "Facts For Ohio SR22 Insurance Requirements." Facts For Ohio SR22 Insurance Requirements. 7 Jul. 2010. 26 Oct 2014 <>.

APA Style Citation:
Bennington, J (2010, July 7). Facts For Ohio SR22 Insurance Requirements. Retrieved October 26, 2014, from

Chicago Style Citation:
Bennington, Jack "Facts For Ohio SR22 Insurance Requirements"

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