There can be a lot of confusion among buyers about what exactly SR22 means, and how it relates to their ability to legally drive. Should people be looking for cheap SR22 car insurance? Well, not really. SR22 certification is a bit complicated, but it’s something only some people will ever have to be concerned about.
So, let’s talk briefly about what an SR22 is, who would need to get one, and why it’s incorrect to think one needs to have cheap SR22 car insurance.
Understanding the Basics of SR22 Certificates in Ohio
1. What is an SR22?
An SR22 is not insurance, not by itself. Rather, it is a certificate that your insurance company might have to file, under certain circumstances. An SR22 legally affirms that you are carrying insurance and that it conforms to all the minimum legal requirements for insurance in Ohio. This certification is usually needed for a few years.
2. Who needs to get an SR22?
SR22 requirements are imposed by the courts on individuals who have been convicted of a variety of serious driving offenses. The most common of these include:
- Driving without insurance, particularly getting into an accident without insurance
- Driving while intoxicated
- Driving on a suspended/revoked license
- Getting into a particularly serious or damaging accident
In theory, a judge can order a person to get an SR22 certificate for almost any sort of moving violation. In practice, it’s generally reserved for repeat offenders or particularly bad violations.
3. How does one get an SR22?
The only source of an SR22 certificate is from an insurance company, and similar financial entities, willing to provide them.
That can be tricky because many insurance companies simply will not insure a driver with major incidents on their driving record. They consider these drivers to be too much of a risk. If an insurance company is willing to provide insurance, it will undoubtedly bring very high premiums.
Fortunately, getting the SR22 itself is a one-time affair. Once you’ve found a willing insurance company, there’s a single fee to get the SR22. Then it’s valid as long as you continue to carry that insurance.
SR-22 Bond of Ohio Makes SR22s Easier
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