I have an SR22 in Ohio. I am planning to buy a car loan for a used car and I would like to know if this SR22 insurance is enough? Can I also have physical damage liability along with my SR22 insurance if I am going to buy a new car?

John

Hamilton, OH

The SR22 insurance certificate that you have in  Ohio is a state liability and most lien holders would require that you have physical damage liability of collision and comprehensive coverage if you have a loan or lease on the vehicle, regardless if the vehicle that you are trying to purchase is new or used.

I suggest that you speak with your car insurance company in Hamilton, Ohio if you could carry physical damage liability of collision and comprehensive that is being required by the lien holder along with your SR22 insurance that you currently have. I believe that you would be able to acquire the physical damage liability and SR22 insurance to satisfy what the lien holder and the state requires you to have.

You can always shop around for car insurance company if your current insurance carrier will not allow you to have both.

I recently discovered that my roommate is driving my car without my permission when he goes out at night. He told me he doesn’t want his girlfriend to identify him and so he uses my car instead. We both have auto insurance in Ohio. If anything happens to the car while he’s driving it, his auto insurance will pay for it, right?

Hal

Dayton OH

Sorry, Hal, but no, his auto insurance will not pay for the damages your car. Remember all the time that auto insurance is meant for the car, not for the driver or the passengers. Although some auto insurance packages offer medical protection for the drivers and passengers of the car, it also pertains only to those drivers and passengers of the insured car. So, your friend’s auto insurance will only cover his car and those inside it depending on the type of insurance he has.

I don’t know what type of auto insurance you have, but it is supposed to pay for the damages your car has incurred as long as it was driven by the authorized driver or those allowed by the owner of the policy. In this case again, if your car was damaged while your friend was driving it without your knowledge, you will not be able to claim anything for it. Now that you know what your roommate was doing, it is a very good time to review your auto insurance very thoroughly or even call your insurance agent in Dayton Ohio . You see, auto insurance varies from state to state and you might want to check what is applicable to you.

if you love your roommate enough, you might want to include him as an authorized driver, especially since it seems like he does this trick regularly. You can expect that it will naturally incur additional expenses. You can have some idea on how much you will be paying from this page. Just enter your zip code and the type of coverage you want for your car and you can get free quotes instantly.

When you have all these settled, it will be a good idea to have a man-to-man talk with your roommate. I think that all indications show that he has one mighty secret!

If I will be hired by a company and use a company car how far removed does my DUI have to be? I live in Lakewood, Ohio and it has almost been three years..

Jake

Lakewood, OH

The DUI in Lakewood, Ohio is listed at least six years on your driver’s record since it is noted by the OH Bureau of Motor Vehicles (BMV) that it is considered a 1st DUI violation if you are found driving a car with a prohibited alcohol concentration or drug of abuse with no prior OVIs within the last six years on the driving history. It is considered a 2nd violation if you have at least one prior OMVI within the last six years on the driving history.

If you want to know how long exactly your DUI will stay on your driving history then check with the BMV. As for use of a company car, typically this is up to the individual company and their insurance company so you would have to speak with the hiring agent if the DUI on your driving record would keep you from using the company car or not.

If I have been insured with my insurance company in Columbia Ohio for 10 years, and have had consistent insurance. Does my insurer have to provide an SR22, which is needed to get an restricted driver’s license?

Pam

Columbia, OH

Your insurance company in Columbia OH does not have to provide you with a SR-22 if they do not offer SR22. Not all insurance companies file this certificate of financial responsibility or SR22 with the state which it appears you are required to do in order to get a restricted driver’s license.

If your insurance company in Ohio does not file SR-22, since some standard insurance companies do not and leave this to insurance companies that insurance to those they consider to be high risk motorists, then you will need to obtain insurance from an insurer that does file SR22s. Normally, this would mean that you would need to find insurance from an insurer that does file SR-22s which unfortunately means you then would need to terminate your coverage with your original insurance company since having 2 policies on the same car(s) is not usually allowable by law.

I am required to carry an sr22 certificate on my auto insurance but I just want to know if this is enough to get a car loan? Please help. I live in Ohio.

Rico

Thank you for asking Rico.

SR-22 certificate is the insurance required for an Ohio state liability . It is not physical damage coverages of collision and comprehensive that most financial institutes will require you to have on a car if you have a loan or lease to pay on whether the car is a new used one or brand new one.

You can contact your insurance agent about carrying the required insurance for the SR-22 or the financial responsibility certificate. You may also ask them about the physical damages coverages that would be required by a lien holder when you purchase a car. You should be able to get both types of coverages to maintain what the state and lien holder will require of you.

If you cannot get both types of coverages with your current insurance provider you may shop around online for other insurance companies that provide it.

Goodluck!

MariCAR

Do I need SR22 bond insurance to be able to drive a car and at the same time be covered, I have a DUI on my record? I work in car dealership in Ohio.

Ryan

Thank you for asking Ryan.

Sr22 is also sometimes called bond insurance. In other states it is surety bond or deposit. An SR22 policy is a filing made by an insurance provider to your home state to show proof that you have at least the state minimum required amount of liability. It is required for verification to the state regarding your financial responsibility when you drive a vehicle after getting convicted for a DUI / DWI or driving without insurance.

Most states permit at least one of the following to be used as financial responsibility:

* car insurance policy.
* A surety bond issued by any authorized insurance company.
* A State Motor Vehicle Department bond

* A State Motor Vehicle Department certificate for money or government bonds

* A certificate of proof of financial responsibility or sr22

Some states does not allow bonds for car insurance. It is used typically to show proof of financial responsibility and meet the required insurance of the state. You may check with the Ohio institution to verify this information.

I dont think that this is what you need for coverage on your car and the vehicles you drive for work. You may speak with your car insurance agents in Ohio on their suggestion about your situation .You can check with the dealership to check if you have been listed to their business policy and if that covers you.

Goodluck!

MariCAR

I just want to know if I can get sr22 and full coverage auto insurance at the same time? I am required to carry an sr22 in Ohio. Thank you.

Collette

Good question Collette.

The liability insurance required for an SR-22 certificate in Ohio is state liability. It is not a physical damage coverage of collision and comprehensive like most financial institute will require an individual to have on their motor vehicle whether its a new car or a used car.

You may speak to your insurance agent regarding carrying or maintaining the required liability insurance for the SR-22. In addition to that, you may also ask them about the physical damages coverage that is being required by a insurance provider when you purchase a motor vehicle. You should be able to get both types of coverage to be able to maintain what the state and insurance company will require of you.

If you cannot get both types of coverage with your current insurance company, you may check other insurance providers that can offer you that. The easiest way to shop for quotes and offers, you may check websites of these insurance companies to get more information.

Goodluck!

MariCAR

I need to get information on how to get an sr-24. I need my license to be reinstated but I do not own a car. what do I do? I live in Ohio.

James

Thank you for asking James.

It looks like that you are being required in Ohio to get a proof of financial responsibility or SR-22 so you may be able to reinstate your drivers license but do not own a vehicle. In this kind of situation, you will be needing a non owners sr-22.

The SR-24 was a form originally was for a notice of change of vehicle regarding a car listed on a car insurance policy with a SR-22. The use of the SR24 in recent years has disappeared almost. A replacement SR22 is generally utilized, the state needs to be notifies on the change in the vehicle.

If you are not required to carry an SR-22 but needing to have a car insurance insurance to be able to get a driver’s license in Ohio, you should then obtain a non-owners policy since you do not own a vehicle or has any intention of purchasing one in the near future.

You may contact the OH Bureau of Motor Vehicles (BMV) and/or the OH Department of Insurance to get more information on sr-24 or sr-22.

Goodluck!

MariCAR