Are you wondering whether you need SR22 insurance? It can be confusing but typically you will be told if you need it. If you have an excellent driving record and you always keep up with your insurance, you will likely never need this type of cover. It is usually required by those who have committed a driving offence. Below you’ll discover the top reasons why you may be required to have SR22 insurance.
What type of driving offences require SR22 insurance?
There are numerous driving offenses that will require you to take out a certificate of financial responsibility in Ohio. These include:
- Driving without insurance
- Driving with a suspended or no license
The certificate is provided if you have been found to be insufficiently insured while driving. It is a legal requirement for all drivers to have adequate insurance in case they have an accident. If you aren’t, you won’t be able to pay compensation if it is needed. This can cause serious problems for the person or the family of the person you have crashed into; particularly if you have caused them serious bodily injury or if you have caused serious damage to their vehicle.
Not all states require SR22 insurance
You may have heard that not all states require SR22 insurance. This is true. However, if you are an Ohio resident then you unfortunately will be required to take out this insurance if you have had your driving license revoked. It is also worth noting that different states have varying terms and conditions. So you will need to find out exactly what the rules are in Ohio.
Overall you should be notified if you need a certificate of financial responsibility. However, if you aren’t and you have been convicted of a driving offense without sufficient insurance, it would be worth contacting the DMV to find out if you need it.