My SR-22 Lapsed in Ohio—Now What?

If you get pulled over and are found to be driving without insurance, or if you are caught driving with a suspended license, you may be required to file an SR-22 with the state of Ohio. An SR-22 is proof of financial responsibility that ensures you carry the minimum car insurance required by law.

If your SR-22 lapses, it is essential to take action immediately to avoid any coverage lapses. Depending on the reason for the lapse, you can have your insurance company reinstate your policy. However, if your policy has been canceled, you must purchase a new one and file a new SR-22.

What Is an SR-22?
An SR-22 is a certificate of financial responsibility that proves you carry the minimum car insurance required by law. You may be required to file an SR-22 if you have been involved in a car accident without insurance, have been caught driving with a suspended license, or have been convicted of a DUI.

In Ohio, the minimum car insurance required is $12,500 for bodily injury liability per person, $25,000 for bodily injury liability per accident, and $7,500 for property damage liability per accident.

How Do I File an SR-22 in Ohio?
Contact your insurance company and ask them to file an SR-22 on your behalf with the Ohio Bureau of Motor Vehicles (BMV). You will need to provide them with your name, date of birth, driver’s license number, and Social Security number.

If you do not have car insurance, you must purchase a policy before an insurance company can file an SR-22 on your behalf. Once you have a policy, your insurance company will file the SR-222 electronically with the Ohio BMV.

What Happens if My SR-22 Lapses in Ohio?
If your SR-222 lapses in Ohio, it is essential that you take action immediately to avoid any lapse in coverage. Depending on the reason for the lapse, your insurance company may be able to reinstate your policy. However, if your policy has been canceled, you must purchase a new one and file a new SR-222 form.

If you are required to carry an SR-222 in Ohio and your form lapses, it is essential that you take action immediately to avoid any lapse in coverage. You may be able to have your existing policy reinstated if the reverse was due to nonpayment or another issue on the part of the insurer. However, if your policy has been canceled, you must purchase a new one and file a new form with the BMV.