What is an SR22 filing?
An SR22 is a state filing form that attaches onto either an auto insurance policy or a financial responsibility bond. It is a guarantee to the State Bureau of motor vehicles that you are carrying at least the state minimum liability auto insurance. If you are required to carry an SR22 to reinstate your license, you will need to keep your policy active for as long as you're required the SR22 filing.
What happens if my policy cancels?
Any time that your policy lapses, cancels or expires, the insurance company is required by law to notify the Ohio BMV. Once the Ohio BMV gets that notification, your license will be suspended again.
How long do I need to carry an Ohio SR22?
That totally depends on either the Ohio BMV or the courts. Most SR22's that are required by the BMV are usually three years, but not always. An SR22 that is court ordered can be all across the board in terms of time you're required to carry the SR22 . The judge can set the sr22 requirement expiration for as little or as long as they wish.
Eliminating the confusion about "SR22 Insurance" and ''SR22 Bonds"
The terms "SR22 bond" and "SR22 insurance" are both incorrect terms that we just accept as slang language. When a customer calls about an "SR22 bond", or "SR22" an agent understands exactly what they mean. But SR22 insurance is not really insurance at all. And there's not really such a thing as an SR22 bond...... An SR22 is simply an attachment to a financial responsibility bond, named operator policy or an auto insurance policy.
How should I set my SR22 filing up?
Generally, for those who own a vehicle, or have a vehicle registered in your name, you will want to attach the SR22 to a regular auto insurance policy. For those who do not own a vehicle, you will want to attach your SR22 to a financial responsibility bond.
If you would like a quote for an SR22, click on one of the links below and I will run your info through all of my insurance companies, and find you the lowest rate.
Get an SR22 Quote with Lyles Insurance here if you own a vehicle
Get an SR22 Quote with Lyles Insurance here if you DON'T own a vehicle
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..