Do you have any questions about SR22 insurance? If so, you are not alone because many people in Ohio often inquire about this type of auto insurance.
If your driving license has been suspended, it’s certain that you will file for an SR22 insurance- because you will probably need one. Why? Because in order to have your license reinstated, you MUST provide an SR certificate to your insurance provider.
If you’ve got no idea what an SR22 insurance is and are afraid of making a mess while choosing one, don’t worry because we’ve got you covered. Below is a list of well-detailed Frequently Asked Questions that will answer every nerve-wracking query you might have about Ohio cheap SR22 auto Insurance.
What is an SR22 Auto Insurance?
An SR22 is simply a certificate of financial responsibility that is provided by your car insurance company confirming that you meet Ohio’s minimum car insurance requirements. If your driving license has been suspended, you will require this certificate to have it reinstated.
This certificate is considered as a guarantee that at least minimum auto liability coverage has been obtained and will be stored for the specific period mandated by the Ohio Department of Public Safety.
NB: Please note that an SR22 is not an insurance policy; it’s a form of evidence that you’ve got an insurance coverage.
What Does the Policy Cover?
The policy covers bodily injuries and property damage of the affected party if you cause an accident. However, the policy does not cover you or your vehicle.
Do I need an SR22?
The Ohio state requires you to obtain an SR22 insurance if:
- You have a DUI, DWI, or any other serious moving violation
- You are deemed at fault during an accident while driving without an insurance
- You frequently repeat traffic offenses or get many tickets within a short period
- You need to reinstate a revoked or suspended license
How Can I get a Cheap SR22 Insurance in Ohio?
Cheap SR22 insurance in Ohio is easy to obtain as long as you take time and shop around for providers selling it at competitive prices (here one of these sites SR-22 Ohio). To do this, notify the selected companies that you need an SR22 and provide every single detail about any accidents or tickets you might have. You can easily find these providers online. Be sure to obtain as many cheap quotes as you can. This way, you will be assured that you are not being ripped off.
If you’ve got no time to do the shopping, we are here to help. We offer a completely free service that lets you compare multiple SR22 insurance quotes. It’s our aim to ensure that you obtain the cheapest SR22 insurance for your vehicle without much effort.
Can I Obtain an SR22 Insurance even if I don’t Own a Car?
Yes you can. In Ohio, many people who do not own vehicles are still required to show financial responsibility to the state. In this case, you will require a special kind of policy known as a Non Owner SR22 Insurance. This insurance has an SR22 included and will provide you with the required liability coverage.
Ask your car insurance company for this type of insurance.
How Much Does it Cost?
Normally, the total cost of adding an SR22 filing to your auto insurance in Ohio can range between $25 to $50. However, the cost may vary depending on some underlying factors such as:
- A bad driving record
- Your age
- The kind of offence you’ve been charged with.
The more the DUI charges or violations, the more costly it will be.
Also, the total cost may vary with the insurance provider – different providers offer the insurance at different rates. For this reason, it’s highly advisable to shop around for get a cheap SR22 insurance in Ohio.
For how Long will my SR22 Remain Valid?
Your SR22 along with your insurance policy may last for about three years- which is in accordance with the state’s requirements. However, it can go up to a maximum of 5 years especially if it’s court-ordered.
You can check the required period on your suspension paperwork.
Please note that if by any chance you cancel your SR22 policy before the end of your suspension period, the state will just suspend your license again. For this reason, it’s crucial that you keep the policy active for it to remain effective.
What Happens when my SR22 is Canceled?
Once your insurance company notifies the Ohio Department of Public Safety that your policy has either been canceled, lapsed, or terminated, then the necessary enforcement action may be taken. In other words, if the policy is still required but there is no valid file, then your vehicle registration and driving privileges may be suspended.
How Long do I have to Wait to Obtain the SR22 Policy?
Most insurance providers can process and issue an SR22 request on the very same day. Be sure to contact your provider to find out whether you can obtain the policy on the same day you apply.
Can I Obtain SR22 for my Motorcycle?
Yes. If you own a bike and require an SR22, all you have to do is contact your insurance provider and file the form.
Is there a Difference between an SR22 and an FR44?
Just like an SR22, an FR44 is simply a document of financial responsibility that proves that you carry car insurance. The only difference is that the FR44 requires your liability coverage limits to be a bit higher than the state’s minimum.
What Kind of Information is Required to Obtain an SR22 Insurance?
In order to obtain an SR22, the Ohio state requires you provide:
- Vehicle Insurance Information
- Policy Ownership
- Background and Contact Information
Are there any Extra Fees for Filing an SR22?
Additional fees will depend on your insurance provider. Since the charges vary depending on your requirements, be sure to contact your provider to inquire about the extra costs.
We can help you Obtain Cheap SR22 Insurance in Ohio
If you want to avoid the hassles of shopping for companies offering the best rates, we are here to help. We offer free quotes comparison among the best insurance providers to ensure that you are getting value for a less amount of money.
Do not hesitate to contact us for more information. Allow us to assist you regain your driving privileges through this free comparison quotes tool on this site SR-22 Ohio