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What is an FR/SR22 Bond?
The SR22 or FR Bond was designed for people who want the minimum amount of coverage acceptable by the BMV to Reinstate Driving and Registration Privileges. SR22 Bonds are like regular auto insurance in that they both provide liability coverage for injuries and damage that you cause in an accident. The SR22 Bond is unique in that it follows an individual, not a specific vehicle. It’ll cover you for Ohio Minimum Required Liability ($25,000 per person/$50,000 per accident Bodily Injury/$25,000 per accident Property Damage) while operating ANY 4-wheel private passenger auto for personal use, owned or non-owned. The SR22 Bond is a stand-alone instrument; you don't need any other coverage to comply with Ohio’s FR Laws. Our FR Bonds are available to Owners as well as non-Owners.
There aren’t any options available with an SR22 Bond and no one else is covered to drive your vehicle. The SR22 Bond doesn’t provide coverage for your injuries and doesn’t cover damage to the vehicle that you’re driving.
How Does Ohio's Financial Responsibility (FR) Law Work?
To drive legally in Ohio, you need to be able to prove you can pay for damages and injuries that you cause in a traffic accident. The minimum amounts required are $25,000 per person / $50,000 total per accident for bodily injury caused to another person or passengers in another car or pedestrians, and $25,000 for damage to another person's property.
If you’re stopped for a traffic violation or if you’re involved in an accident, you’ll be asked to show proof of Financial Responsibility (FR). If you can’t prove FR, you may face severe penalties: up to 2 years suspension, up to $550 Reinstatement Fee, and/or impounding of your license plates/registration for repeat offenders.
If your license is suspended because you fail to prove FR, you’ll then need to take steps to have your driving privileges restored. These include paying Reinstatement Fees and filing an SR-22 Form with the Ohio BMV.
With the issuance of your SR22 Bond, the insurance company will electronically file your SR-22 with the Ohio BMV. The BMV tells us that it can take them up to 3 business days to record a filing once it’s been received. If you’re in a big hurry, the fastest way to reinstate your license is to go directly to a local BMV Office with your SR-22 Form and any other requirements. We can also fax a copy of your SR-22 to any BMV fax number that you wish. Your SR-22 Form will be available several minutes after we’ve confirmed your payment. You can have your driving privileges restored Today if it's early enough for you to make it to a local BMV office with all your requirements.
What is an SR-22?
An SR-22, also known as SR22, SR22 bond, SR-22 bond, SR22 filing, or SR-22 filing is a form issued by an insurance company that is used to prove your "Financial Responsibility" to the State Bureau of Motor Vehicles. This is a reinstatement requirement for most BMV ordered suspensions including those for 12 points, hit/skip, ticket or accident without insurance, noncompliance, DUI, and others. The SR-22 guarantees to the BMV that an insurance company has issued at least minimum liability coverage for the person making the filing. The filing also requires that the insurance company notify the BMV if the coverage is cancelled for any reason. This is the BMV’s system for keeping tabs on whether someone is Compliant with Ohio’s FR Laws. The BMV usually requires that you file an SR-22 for a period of 3 years from the beginning date of the suspension. Some suspensions can be for a 5-year period.
Who does the SR22/FR Bond cover?
The SR22/FR Bond covers the Named Person Only for any injuries and damages that they are found responsible for while operating ANY private passenger motor vehicle for personal use.
Does the SR22/FR Bond cover my car?
No, the SR22/FR Bond will not cover damage to the car that you are driving. It will only cover you for damage that you do WITH the car to other people’s property: other cars, fences, posts, trees, or houses.
Will the SR22/FR Bond cover my injuries or those of my passengers?
No, the SR22/FR Bond will not cover your injuries or those of your passengers. It will cover injuries that you may cause to people in another vehicle or a pedestrian.
Are there any options available to add to the SR22/FR Bond?
No, the SR22/FR Bond was designed for people who want to "Bottom Line" their coverage and purchase only the minimum protection allowed by Ohio FR Laws. There are no options available to add to the minimum liability coverage.
How do I get my driving privileges reinstated?
Your Reinstatement Process depends upon the type of suspension that caused your privileges to be taken away. You may have to serve a suspension period, pay a reinstatement fee, file proof of Financial Responsibility (SR22), petition for driving privileges from a court and/or re-take a driver license exam.
How do I check my reinstatement requirements?
Go to Ohio BMV website link where you can view your 2-year driving record and your reinstatement requirements. You can also purchase your Official 3-year Driving Record.
How long does it take to reinstate my driving privileges?
The insurance company electronically files your SR22 with the Ohio BMV with the issuance of your SR22 Bond. This is the fastest way to file with the BMV without going there yourself. The BMV tells us that it takes them up to 3 business days to record an SR-22 filing onto your record once it’s been received. If you’re in a big hurry, the fastest way to reinstate your license is to go directly to a local BMV Office with your SR22 form and other possible requirements.
I was suspended for not having insurance. Can I get occupational driving privileges?
For first-time Non-Compliance suspensions, you don’t need to apply to a court for driving privileges. Driving privileges will be restored upon payment of your reinstatement fee and filing of your SR-22. For 2nd or 3rd Non-Compliance Suspensions, limited driving privileges may be granted by a court. You’ll need to petition your local court for privileges, file an SR-22 and pay any reinstatement fees. You should apply to the local municipal or county court that has jurisdiction over your place of residence. A court is not required to grant limited privileges and may decline to do so based upon an individual's driving record and other factors
Can I get my driving privileges reinstated today?
Yes, if it is early enough in the day for you to make it to a local BMV Office with all your requirements.
Why are your rates so low?
We have been in the SR22 Bond insurance business for over 46 years and represent many major companies that sell FR/SR22 Bonds in Ohio. We use our state-of-the-art comparative rating software to track down the lowest possible price for your SR22 and we do so without adding any Additional Agency Fees.
What are Additional Agency Fees?
Additional Agency Fees are charges that an Insurance Agency can add to your down payment that is “over and above” the amount required by the insurance company to start your coverage. These fees range from $15 to over $100. Agency Fees are legal in Ohio but must be fully disclosed as "Agency Fees" with a notice displayed in plain sight prior to the purchase.
WE DO NOT CHARGE ADDITIONAL FEES!
Who is SR22 OHIO?
SR22 OHIO is the internet division of Accurate Insurance Agency located just east of Cleveland, Ohio. We’re Independent Insurance Agents and we represent several top-rated insurance companies that specialize in SR22 Drivers. We’ve been the go-to source for SR22 Bonds in Ohio for many years and know all the ins and outs of the Ohio BMV Suspension System. We'd love to assist you with the lowest rates and quickest service on your SR22 Bond.
