Do I Need Auto Insurance in Ohio For Parked Car?
Reader’s Question:
What happens when someone was gets cited for driving without car insurance and then the vehicle they were driving is no longer drivable? Does he still need to have insurance in Hamilton, Ohio since they do not have a car to insure?
Jen
Hamilton, OH
If the state mandates you to be financially responsible by carrying car insurance, typically through getting and maintaining an SR-22 insurance, then you will need to do so whether you have a vehicle to insure or not.
If your car is inoperable and you have taken off its registration and you have no other car in which to insure then you would still need to carry the mandated insurance, SR-22 insurance, and can do so with a non-owners insurance policy in Hamilton, Ohio.
Generally a non-owners SR-22 permits the named insure to drive any car that they are given permission to drive by the car owner, unless the car is owned by a household member. The difference between a normal SR-22 insurance and a Non-Owners SR-22 insurance is that with a Non-Owners SR-22 policy you do not own a car to directly insure. While with a SR-22 policy you own a car in which the insurance is place on.