SR22 Insurance in Ohio – Important Facts to Know
Complying with a SR 22 insurance and certification requirement in Ohio is not any different from the experience you will go through in other jurisdictions. Every state, except for Virginia and New Hampshire, requires car owners and non-car drivers to carry an auto liability insurance policy when driving a vehicle on the road. Yet not all states require the submission of SR 22 from drivers looking to have their license suspension lifted.
After all, SR 22 is just a document certifying that a car insurance policy has been secured by the driver looking to have his suspended license reinstated.
The states of Kentucky, Pennsylvania, Delaware, New York, Minnesota, New Mexico, Oklahoma and North Carolina do not require insurers to submit a SR 22 to the state Dept. of Motor Vehicle to satisfy reinstatement requirements. However, it should be clear that only the SR22 form is not required because what might be required instead, is the payment of reinstatement fees.
Bear in mind that the car or the non-owner car liability insurance remains mandatory, once the driver has been given permission to go back on the road again.
Transferring to a Non SR 22 State Does Not Extiguish an Existing SR 22 Obligation
Another point of clarification is that even if a person transfers to a state that does not require SR22, a previous obligation to submit SR22 certification imposed by one’s former state residence will still be enforced.
Let’s say a driver who previously resided in Ohio is now living in Delaware. If that rehabilitated driver has an obligation to submit a SR 22 for three years as condition for the lifting of an Ohio-issued license, then that driver must still comply with the requirement
It’s clear that Ohio is one of the states that requires a SR 22 certification in addition to the car insurance policy. Yet finding a cheap sr22 ohio insurance could pose a challenge. Apparently, providing car insurance coverage to drivers who have bad driving records exposes an insurer to greater risks of paying for potential liabilities arising from body injuries and/or property damages.
That being the case, Ohio insurance regulators allow SR 22 Insurance companies to collect higher insurance premiums from the errant driver The rationale for this is to give the insurance company a chance to earn revenues from the high risk venture. Moreover, the amount may vary, as this will be determined by the seriousness and the frequency of the offense committed by the driver. One thing is for sure though, the cost of insurance policy referenced by an Ohio SR 22 certification will be higher than the cost of a regular car insurance policy.