Many people are unfamiliar with the various state laws related to SR22 forms. An SR22 is a certificate that is required for high-risk drivers, typically due to numerous traffic incidents or driving under the influence. Ultimately, an SR22 is simply proof of financial responsibility that is necessary for a specified period of time.
Understanding SR22 & Why You May Need It
- What are the Common Reasons for Getting an SR22?
An SR22 may be required due to a variety of scenarios, such as driving without a license or insurance, receiving multiple tickets in a short amount of time, or being convicted of substance abuse or a DUI charge. Avoiding additional violations and always complying with the law is essential if you have an SR22.
- How Do I Obtain an SR22?
You will need to already have standard auto insurance before you file for an SR22. Reaching out to your insurance provider is essential in beginning the SR22 filing process. The cost of getting an SR22 varies, as it can be as low as $15 or up to a $50 filing fee. A penalty/reinstatement fee can be very costly, ranging anywhere from $55 to $250. Reaching out to various insurance providers is a good idea to help you find the best deal available.
- How Long Will You Need an SR22?
SR22 requirements vary by state, but the typical term is three years, and you must keep the policy active for the entire duration. Failure to keep it active will reset the time requirements and cost you additional money for filing for another SR22.
- What If You Don’t Own a Car?
A non-owner SR22 is required even if you don’t own a vehicle because it acts as proof of financial responsibility. However, you do have the option of switching insurance providers while having an SR22, as long as you follow the proper procedures.
- How Long Does It Take to Get an SR22?
Typically, the average length is around 30 days to get SR22 insurance. Contacting your insurance provider as soon as possible is a great way to expedite the process and ensure you have coverage.
Get Cheap SR22 Insurance
SR-22 Bond of Ohio is one of the leading providers that specialize in SR22 insurance for a wide range of drivers in Ohio. Contact our team for further information about finding cheap SR22 insurance in Ohio!