Proof of Insurance Following an OVI Conviction

After your Cadiz OVI lawyer helps you navigate the court process after an OVI charge, serves your suspension period, and works towards reinstating your driver’s license, the Bureau of Motor Vehicles (BMV) will require you to provide proof of insurance. This involves obtaining a Certificate of Financial Responsibility from your insurance provider. Commonly referred to as an SR-22, this certificate verifies that you have the minimum liability coverage required by law in Ohio. Essentially, it acts as your proof of purchase for liability coverage.

What is an SR-22, and Why Do You Need It? 

• Mandatory Legal Requirement

The SR-22 certificate is required for individuals seeking to reinstate their driver’s license following a suspension due to an OVI conviction. Without it, you cannot legally drive in Ohio.

• Covers Minimum Liability

The SR-22 proves you meet Ohio’s minimum liability insurance requirements. It’s important to note that this coverage applies only to you—not any family members or additional drivers you might have.

• State-Specific Documentation

If you are from another state or plan on moving, but your offense occurred in Ohio, you need to ensure the SR-22 is explicitly written for Ohio, even if you don’t live in the state anymore.

Insurance companies typically file the SR-22 electronically with the BMV, often securing approval within 72 hours. However, obtaining this certificate involves additional costs, which include both preparation and filing fees.

Carrying Proof of SR-22

Once you’ve obtained your SR-22, you are required to keep proof of this document in your car at all times, alongside your standard insurance card. If you’re pulled over for any reason, law enforcement will ask to see it. Failure to present valid proof may lead to further complications, such as an additional license suspension.

What If I Don’t Own a Car? Do I Still Need an SR-22?

Yes! Even if you don’t own a vehicle, an SR-22 is required if you wish to reinstate your driver’s license. Operating a borrowed or rented vehicle still necessitates proof of liability insurance.

Here’s what to do if you don’t own a car:

• Request a Non-Owner SR-22 Policy

This specialized policy covers liability for drivers who don’t own vehicles but intend to drive occasionally.

• Contact Insurers

Reach out to an insurance agent or your family’s auto insurer to check if they offer this type of certificate. Don’t hesitate to get multiple quotes to find the most affordable option. Typically, non-owner policies are more affordable than standard policies since they assume a reduced amount of driving.

Without an SR-22, you cannot reinstate your driving privileges in Ohio, even if you don’t plan to own a car.

What Happens if I Don’t Get the SR-22?

Failing to acquire or maintain your SR-22 comes with serious consequences:

• License Suspension

The BMV will suspend your license again if you don’t provide proof of the SR-22 or if your policy lapses.

• Lapse Notification

Insurance companies are required to inform the BMV if your SR-22 lapses or is canceled. This can result in your license being suspended indefinitely until you comply with the law.

• Restarting the SR-22 Period

Be aware that your required SR-22 period may restart if coverage lapses for even a short period. For instance, if you’re required to maintain coverage for three years, and your policy fails after two years, the clock resets. You would then need to carry SR-22 coverage for an additional three years, meaning five years in total rather than three.

The Cost of Non-Compliance

Failing to secure or maintain your SR-22 will not only cost you more money in the long term, but it can also place severe restrictions on your freedom to drive. For most cases in Ohio, including Harrison County, drivers are required to maintain SR-22 coverage for an average of three years. This duration may vary based on individual cases, so it’s essential to follow through on all compliance requirements. 

Why Your Compliance Matters

While securing an SR-22 certificate may feel like a financial and logistical burden, it’s a crucial step toward regaining your freedom to drive. Following the rules and staying consistent with the requirements ensures that you can avoid future disruptions and continually enjoy the privilege of driving.

If you’re struggling with the aftermath of an OVI charge, a Cadiz criminal lawyer from the Youngstown Criminal Law Group can provide expert guidance to help you through the legal and administrative hurdles. Don’t hesitate (330) 992-3036 to reach out for assistance or advice on your next steps.