SR-22

If you’re convicted of certain driving offenses, such as driving under the influence (DUI) or reckless driving, you may be required to file an SR-22 form. While many people refer to this requirement as SR-22 insurance, this form is not insurance—it is a certificate that verifies that you carry the minimum liability insurance required by your state.

In Ohio, an SR-22 form is often required for drivers who have had their license suspended or revoked. Contact 1st Choice Insurance Group in Fairfield, Ohio, if you must file an SR-22 form with the Ohio Department of Motor Vehicles (DMV). Our team can help you get SR-22-compliant auto insurance coverage at a great rate.

How Does SR-22 Work?

Your insurance company files an SR-22 form on your behalf; it serves as proof you have the minimum amount of liability insurance required by your state. Essentially, it tells the state that you have liability coverage if you cause an accident while driving. The cost of an SR-22 filing varies by state.

It’s important to note that an SR-22 filing is not a substitute for insurance coverage. You still need to purchase liability insurance from an authorized provider and maintain that coverage for the duration of the SR-22 filing period, which is typically three years in Ohio.

If you fail to maintain the required insurance coverage, your insurance company must notify the Ohio DMV and your license could be suspended again. Additionally, if you are involved in an accident and do not have the required insurance coverage, you could be held personally liable for any damages or injuries.

What Does SR-22 Compliant Insurance Cover In Ohio?

In Ohio, SR-22-compliant insurance coverage includes the following:

• Bodily injury liability insurance may help cover the medical expenses, lost wages and other damages resulting from injuries sustained by other drivers or passengers in an accident you caused.
• Property damage liability insurance may help cover the cost of repairing or replacing other people’s vehicles or property that you damage in an accident.

To maintain your SR-22 filing in Ohio, you must ensure that your insurance policy is in good standing and that you pay your premiums on time. If your policy lapses or is canceled, your insurance company is required to notify the Ohio DMV, and your license could be suspended again.

Contact Us

It’s essential to understand the requirements for SR-22 compliance in Ohio and maintain the mandated insurance coverage for the filing period. Failure to do so could result in additional license suspensions, fines, and legal fees.

Contact 1st Choice Insurance Group today to get the auto liability coverage you need to comply with SR-22 filing requirements.