An Overview of SR-22 in Ohio

SR-22 is a type of insurance that is required for high-risk drivers. In Ohio, SR-22 is required for a period of 3 years for drivers who have been convicted of DUI/DWIs, hit-and-runs, and uninsured accidents. If your SR-22 lapses, you will be required to file an FR-44, which is a certificate of financial responsibility. The FR-44 is more expensive than the SR-22 and will be needed for five years.

Penalties for Lapsing on Your SR-22
If your SR-22 lapses, your license will be suspended. In order to get your license reinstated, you must file an FR-44 and maintain it for 5 years. You will also be required to pay a reinstatement fee of $450. If you are caught driving without a valid license or insurance, you will be fined $1,000, and your vehicle will be impounded.

What Causes an SR-22 Lapse?
There are a few reasons why your SR-22 might lapse. The most common reason is the nonpayment of premiums. If you miss a payment or cancel your policy, your insurance company will notify the BMV, and your license will be suspended. It’s important to note that even if you switch insurance companies, you must maintain continuous coverage. Another reason why your SR-22 might lapse is if you are involved in an at-fault accident, and your insurance company drops you from their policy.

How Can I Avoid a Lapse?
The best way to avoid a lapse is to make sure you pay your premiums on time and maintain continuous coverage. It would help to avoid traffic violations or accidents while you have an active SR-22. If you happen to lapse on your policy, contact your insurance agent as soon as possible so they can help you file the necessary paperwork to reinstate your license.