Getting your drivers license reinstated in Ohio can be frustrating at times. The information that's out there can be confusing. Some recent laws have changed regarding how the Ohio BMV handles driver suspensions. But one thing that has not changed is the process involved in getting your license reinstated. You will need to buy some type of auto insurance with an SR22 filing attached to it. This article will tell you what you need to know, and the simple steps you need to help you get there.
While there are many types of suspensions that can cause you to lose your drivers license, part 1 of this article will focus on the four that are insurance related. Part 2 of this article will help you find the right coverage you need, and how to find it for the lowest price.
Part 1: Four Types of insurance related suspensions
1. Noncompliance suspension
2. Random letter selection program.
*** Reference: Ohio revised code 4501:1–2
3. Judgement suspension
4. Security suspension
A security suspension occurs when an uninsured driver causes a crash that results in either bodily injury and/or $400 or more in property damage.
You will have to do one of the following:
*** reference: Ohio revised code 4509.11- 291.
Part 2: Getting the right type of auto insurance policy for your SR22, and finding the lowest rate.
Before we begin, let's go over some basic points about what an SR22 filing is. There is a lot of false information out there regarding SR22's. You've probably heard the term "SR22 insurance" or the term "SR22 bond" before......
But an SR22 filing is neither auto insurance or a bond. An SR22 simply attaches onto another insurance policy or a bond.
What does an SR22 filing do?
Setting up the right type of policy for an SR22 filing
People make this a lot more complicated than it needs to be. The process is really very simple:
If you own a vehicle or have a vehicle registered in your name, then you need to take out a regular auto insurance policy and attach the SR 22 onto it.
If you DO NOT own a vehicle then you will want to attach the SR22 onto a Financial Responsibility Bond.
Other options for people who do not own their own vehicle: in addition to a financial responsibility bond, Ohio also offers two types of policies that will work for those who don't own a vehicle: One is a named operator's policy (a.k.a. non-owners policy). The other one is a broad form name driver policy. These policies are normally a little more expensive than the financial responsibility bond because higher coverage is offered. But any of the three will work fine as far as the SR22 and getting your license back.
How can I find the lowest rate on the SR22 policy that I need?
All you simply need to do is shop around with independent agents that specialize in high risk auto insurance.. There are many companies who specialize in auto insurance for drivers who need SR22. Agents who specialize in SR22's usually carry several of those companies that go easier on violations and state filings. This is far less time consuming than shopping one company at a time for yourself.
Get an SR22 Quote here if you own a vehicle
Get an SR22 Quote here if you Do Not own a vehicle
What you need to know before you buy an Ohio SR22 Bond Online
SR22 Bond in the Portsmouth Ohio area: FAQ’s
What is an Ohio SR22 Bond?
Ohio SR22 Bond FAQ's
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..