Have you been recently arrested for drunk driving or are a high risk driver involved in serious road traffic violations? If you have been or are in one of the aforementioned situations, you are likely to be familiar with the requirement of an SR22 form. For those who haven’t been in situations like these, it is always better to know the laws governing you. Here’s how to find out if you need SR22 insurance.
As a first step, you need to determine whether your offense requires an SR22 or not. Generally the State’s Department of Motor Vehicles (DMV) or a court informs you of the requirement; but to be on the safe side, we suggest you get in touch with the local office of the DMV to get information for coverage and insurance required by the law.
You could fall under the requirement of an SR22 for driving under influence, driving without insurance, and/or driving with an invalid license. Whichever the case, contact your insurance provider to know the requirements and process of filing the SR22 for your particular offence. Keep in mind that not all insurers file the SR22.
In case you have been cited and arrested multiple times for severe driving laws violation, you have to set up a meeting and inquiry with your insurance agent. Mostly it will be the DMV that requires you to present an SR22 which in turn will lead you to an inquiry by your insurer to assess the risk attached to you as a driver, to determine premiums.
At times insurance companies tend to drop clients that are too risky for them to insure. If you are one of them, or if you have been caught driving without insurance, you will need to find a new insurance company that is capable of filing the SR22 on your behalf. If you have a dismal credit history, you may find it difficult to convince insurers into providing you an SR22 certification. Before you decide on an insurance provider, make sure you do thorough research for the best rates.
Now that you know when and why would you require an SR22 in Ohio, take a bit of friendly advice from us – refrain from driving rash or under influence, the consequences are not only fatal to your life but can also drain your pockets paying the hefty insurance premiums.