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Proof of Insurance Following an OVI Conviction

After your Youngstown OVI lawyer has helped you get through the court process following a OVI charge, and you have served your suspension and are now getting your driver’s license back, the Bureau of Motor Vehicles is going to require that you show proof of insurance. You will need to go to your insurance company and ask for a Certificate of Financial Responsibility. Also known as SR-22, this certificate proves you have the minimum liability coverage that is required by law in Ohio. It’s your proof of purchase.

The insurance company will charge you for this certificate, both to cover the cost of preparing it and the cost of filing it with the state. You will need to keep proof of your SR-22 purchase in your car all the time, along with your normal insurance card. If you are pulled over for any reason, the officer will need to see it. The SR-22 is an additional purchase you make along with your regular insurance policy. It only covers you, not your family members or anyone else.

If you got your OVI in Ohio and are from another state, or move to another state after you get your license back, you still have to have the SR-22 if required. You must make certain the insurance company writes it for Ohio, specifically.

Often, an insurance company will file this certificate electronically, making the process go faster and getting BMV approval within 72 hours.

What if I don’t own a car? Do I still need an SR-22?

If you want to get your driver’s license back and take the steps to do so, you will still need to get an SR-22, regardless of your ownership of a vehicle or otherwise. Having a license means you intend to drive, even if it’s someone else’s vehicle. If you want to drive, you have to have proof of insurance. If you don’t own a car and instead intend to borrow or rent one, you will have to get an SR-22 that is specific to those who don’t own vehicles. You can get one from your family’s auto insurer, but if they don’t, you still need to call an insurance agent to get one. You can call several and get quotes. It’s possible that you can find a certificate that costs less when you don’t own your own car and therefore don’t plan to drive a lot.

What happens if I don’t get the SR-22?

If you don’t purchase an SR-22 certificate, you will find yourself with your license suspended once more. The same is true if you cancel your policy or let it lapse. Insurance companies have to tell the BMV when SR-22 policies have lapsed or been cancelled.

Your license will probably remain suspended until you make it right by complying with the law and purchasing a policy and certificate. However, if you keep allowing it to expire or cancelling it, you could lose your license for a much longer period of time.

There is the danger of your required SR-22 period being restarted if you are without coverage for more than a few days. For example, if you had to have it for three years and forget to renew it between years two and three, those first two years will be lost and you’ll have to start all over. You will have to pay for five years of SR-22 certification instead of just three.

It is very important for you to obtain and retain a Certificate of Financial Responsibility when it’s required of you. Your ability to travel freely will depend upon your faithfulness in getting and keeping it. In most cases, an SR-22 is required for three years, though that can vary depending on the circumstances of your case. Though it adds to the expense of a OVI conviction, it’s worth the money to have that freedom back.

Do you need help with a OVI charge? Logue Law Group can help you. 1-844-PITT-OVI

Client Reviews
Mr. Logue came to me for my consultation, which was nice! He helped me better understand my situation so I could weigh my options. He kept me updated on any new information about my case, and I could always easily contact him if I had any questions. I knew I was in good hands, and I got the best possible outcome for my case! Anonymous
Sean Logue accomplished an incredible thing for me by handling my legal matters. If you need help, this is the man to represent you...he's very keen, knowledgeable, and efficient in guiding you to freedom. The trust and loyalty he gives you is very down to earth, so if you need a lawyer this is the best one. You can feel totally confident in Sean's hands. Excellent job, thank you for taking the time for me, you took all my worries away...God bless your future. Anonymous
Mr. Logue was the one I hired after talking to other attorneys about my case. He was the most knowledgeable and explained everything to me about his plan for me moving forward. He was always available to answer my questions and fought hard for me!! Don't waste your time looking for anyone else to help you. Mr Logue did an amazing job and very professional! Anonymous
Atty. Logue represented me well and took care of my legal issues superbly. He is a no-nonsense, very knowledgeable and well respected lawyer. I was pleased with his services. Would definitely recommend Atty. Logue to others. Anonymous
Mr. Logue is good for one reason, he cares. A client is not a quick buck. He always answers his phone, day or night and he understands the law better than anyone. He always answers my calls for both corporate and personal legal decisions and I have a ton of questions. His rates are reasonable too. Fair and firm. Anonymous