If you’ve had your driver’s license suspended and been ordered to get SR22 insurance in Ohio, it can be a bit difficult to know what’s being asked of you – particularly if this is the first time you’ve faced a license suspension. We’re dedicated to making it as easy as possible for people to get SR22 insurance in Ohio, and part of that is education.
So, let’s talk about how to get SR22 certification, what it means to you, and what the costs may look like.
What You Should Know About Getting SR22 Insurance in Ohio
1. What is SR22, exactly?
SR22 isn’t insurance, by itself. Rather, it’s a specific bonded certification that is sold alongside some specific insurance plans. The overall point of SR22 is that it allows your insurance company to certify to the government and courts that you are carrying legal insurance.
And, on the flip side, should your insurance ever lapse, they will immediately revoke that SR22 certification. Which means, if your driver’s license is only valid when you have SR22 status, your license will be immediately revoked as well.
So, it’s an extra measure that encourages you to do whatever it takes to keep your insurance current.
2. How long do people need to have SR22 coverage?
This will vary depending on the circumstances. If you have to get SR22 because of a court conviction, the judgment will say for how long. The average term is three years, but it could be as low as one and as many as five.
3. How do you get SR22 insurance in Ohio?
From an insurance company, or associated vendor, willing to provide it. They’re sold together. You get the insurance, and the SR22 certification, as part of a bundle.
4. What does SR22 insurance in Ohio cost?
Well, that’s the tricky thing. The SR22 certificate, by itself, is not expensive. It rarely costs more than $50 or so, and some insurance companies will even provide it for free alongside coverage.
The problem is the cost of the coverage. If you’ve been involved in an incident which is serious enough to have your license revoked, you will be paying higher rates for your insurance. It’s unavoidable. All you can do is call around and get quotes.
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