Proof of Insurance Following an OVI Conviction

Introduction

After your Warren OVI lawyer helps you through the court process following an OVI charge, and you’ve served your suspension and are now regaining your driver’s license, the Bureau of Motor Vehicles (BMV) will require proof of insurance. Here’s what you need to know.

Obtaining a Certificate of Financial Responsibility (SR-22)

To comply with the Ohio Revised Code, you’ll need to visit your insurance company and request a Certificate of Financial Responsibility, commonly known as an SR-22. This certificate confirms that you have the minimum liability coverage required by Ohio law.

Costs and Requirements

• Costs: Your insurance company will charge for preparing and filing the SR-22 with the state.
• Keep Proof: Always keep proof of your SR-22 purchase in your car, along with your regular insurance card. Police officers will need to see it if you’re pulled over.
• Coverage: The SR-22 only covers you, not family members or other drivers.

Out-of-State Residents

If you received your OVI in Ohio but live in another state, or if you move after regaining your license, you must still obtain an SR-22. Ensure that the insurance company writes it specifically for Ohio.

Electronic Filing

Insurance companies often file the SR-22 electronically, speeding up the process. Approval from the BMV can be obtained within 72 hours.

What If I Don’t Own a Car?

Even without owning a car, you must obtain an SR-22 to get your driver’s license back. This applies even if you plan to drive someone else’s vehicle. For non-car owners, there are specific SR-22s tailored to those who borrow or rent cars. You can get one from your family’s auto insurer or other providers.

Getting Quotes

Contact several insurance agents to get quotes. It’s possible to find a less expensive certificate if you don’t own a car and don’t drive frequently.

Consequences of Not Getting the SR-22

Failing to purchase an SR-22 certificate will result in your license being suspended again. The same consequence applies if you cancel your policy or allow it to lapse. Insurance companies are required to inform the BMV about lapsed or canceled SR-22 policies.

License Suspension and Renewal

Your license will remain suspended until you comply with the law by purchasing the necessary policy and certificate. Repeatedly allowing your SR-22 to lapse or canceling it could result in a longer suspension period.

Restarting the SR-22 Period

If you’re without SR-22 coverage for more than a few days, your required SR-22 period may restart. For instance, if you need it for three years and forget to renew it between years two and three, you’ll have to start over. This could mean paying for five years of SR-22 certification instead of three.

Importance of SR-22 Certification

Obtaining and maintaining a Certificate of Financial Responsibility is crucial. Your ability to travel freely depends on adhering to this requirement. Generally, an SR-22 is needed for three years, though this can vary based on your case circumstances. Despite the added expense of an OVI conviction, it’s worth the investment to regain your freedom.

Need Help with an OVI Charge?

Youngstown Criminal Law Group is here to assist you with any OVI charges you may face. Contact us today for expert legal support. Our experienced Warren criminal attorneys understand the complexities of OVI law and will work diligently to help you through the process. Don’t wait – reach out to us for a consultation and let us guide you towards a resolution. We are dedicated to protecting your rights and fighting for the best possible outcome in your case at (330) 992-3036.  Let us help you get back on track after an OVI conviction. Start rebuilding your life today!

Conclusion

Obtaining an SR-22 certificate is a crucial step towards regaining your driving privileges after an OVI conviction. It’s important to carefully follow the requirements and maintain valid insurance coverage during this time